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Concentrations of credit risk (Tables)

12 Months Ended

Mar. 31, 2022

Schedules of Concentration of Risk, by Risk Factor

The Bank’s portfolio of loans, credit substitute securities and non-funded exposure (including derivatives) is broadly diversified along industry and product lines, and as of March 31, 2021 and March 31, 2022 the exposures are as set forth below.

		As of March 31, 2021
Category		Gross loans				Fair value of credit substitutes				Non-funded exposure				Total				%
		(In millions, except percentages)
Consumer Loans		Rs.	3,241,292.9			Rs.	—			Rs.	2,578.6			Rs.	3,243,871.5				23.5
Power			630,189.4				76,449.1				30,299.7				736,938.2				5.3
Retail Trade			540,350.3				—				21,747.7				562,098.0				4.1
NBFC			415,787.6				83,596.5				2,789.6				502,173.7				3.6
Financial Institutions			443,257.3				21,147.1				3.7				464,408.1				3.4
Consumer Services			424,765.4				2,048.0				17,743.6				444,557.0				3.2
Automobile & Auto Ancillary			381,562.7				18,556.9				35,757.0				435,876.6				3.2
Coal & Petroleum Products			172,989.4				190,457.8				59,803.5				423,250.7				3.1
Road Transportation			368,388.5				—				8,572.3				376,960.8				2.7
Infrastructure Development			167,416.1				15,879.7				190,154.9				373,450.7				2.7
Food and Beverage			342,573.5				240.4				29,321.5				372,135.4				2.7
Real Estate & Property Services			298,277.1				4,872.2				35,737.9				338,887.2				2.5
Agri Production — Food			337,904.8				—				998.1				338,902.9				2.5
Wholesale Trade — Non Industrial			301,508.2				2,065.6				17,816.8				321,390.6				2.3
Iron and Steel			248,140.2				13,116.6				53,192.5				314,449.3				2.3
Wholesale Trade — Industrial			258,854.1				—				51,891.6				310,745.7				2.3
Textiles & Garments			257,577.9				6,882.2				27,498.8				291,958.9				2.1
Engineering			189,952.7				6,448.4				92,218.6				288,619.7				2.1
Others (none greater than 2%)			3,022,929.8				105,516.4				538,019.5				3,666,465.7				26.4
Total		Rs.	12,043,717.9			Rs.	547,276.9			Rs.	1,216,145.9			Rs.	13,807,140.7				100.0

		As of March 31, 2022
Category		Gross loans				Fair value of credit substitutes				Non-funded exposure				Total				Total				%
						(In millions, except percentages)
Consumer Loans		Rs.	3,746,781.7			Rs.	—			Rs.	3,035.7			Rs.	3,749,817.4			US$	49,424.2				22.7
Power			671,859.4				70,346.0				52,366.6				794,572.0				10,472.8				4.8
Financial Institutions			618,494.1				51,844.1				13.1				670,351.3				8,835.5				4.1
NBFC			509,445.4				106,764.5				5,818.5				622,028.4				8,198.6				3.8
Retail Trade			589,947.3				—				28,857.8				618,805.1				8,156.1				3.7
Coal & Petroleum Products			233,583.7				174,424.6				149,716.9				557,725.2				7,351.1				3.4
Infrastructure Development			272,428.0				18,032.7				220,442.5				510,903.2				6,733.9				3.1
Automobile & Auto Ancillary			443,538.7				19,768.7				36,999.9				500,307.3				6,594.3				3.0
Consumer Services			465,465.8				—				28,102.4				493,568.2				6,505.4				3.0
Food and Beverage			433,042.2				—				39,007.2				472,049.4				6,221.8				2.9
Wholesale Trade—Non Industrial			417,954.8				—				26,147.5				444,102.3				5,853.5				2.7
Real Estate & Property Services			383,765.5				4,792.6				40,694.4				429,252.5				5,657.7				2.6
Wholesale Trade—Industrial			347,202.9				—				73,867.5				421,070.4				5,549.9				2.5
Road Transportation			406,376.4				—				10,269.5				416,645.9				5,491.6				2.5
Iron and Steel			321,587.7				12,486.0				80,515.7				414,589.4				5,464.5				2.5
Telecom			331,131.1				2,989.4				43,335.9				377,456.4				4,975.0				2.3
Textiles & Garments			324,419.6				6,135.7				43,748.6				374,303.9				4,933.5				2.3
Engineering			253,105.1				6,666.6				105,164.7				364,936.4				4,810.0				2.2
Agri Production—Food			350,859.6				—				963.1				351,822.7				4,637.2				2.1
Others (none greater than 2%)			3,288,555.0				108,769.3				546,407.8				3,943,732.1				51,980.1				23.8
Total		Rs.	14,409,544.0			Rs.	583,020.2			Rs.	1,535,475.3			Rs.	16,528,039.5			US$	217,846.7				100.0

Exposure to ten largest borrowers

Fair Value, Concentration of Risk

The Bank’s ten largest exposures as of March 31, 2021 and March 31, 2022, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded exposures (including derivatives), are as follows:

		As of March 31, 2021
		Funded Exposure				Non-Funded Exposure				Total Exposure
		(In millions)
Borrower 1		Rs.	302,918.5			Rs.	500.0			Rs.	303,418.5
Borrower 2			192,080.2				61,446.2				253,526.4
Borrower 3			195,480.0				—				195,480.0
Borrower 4			154,997.8				548.1				155,545.9
Borrower 5			150,000.0				489.2				150,489.2
Borrower 6			148,107.3				—				148,107.3
Borrower 7			3,830.9				100,477.6				104,308.5
Borrower 8			98,919.7				2,000.0				100,919.7
Borrower 9			75,437.8				22,268.4				97,706.2
Borrower 10			90,108.0				—				90,108.0

		As of March 31, 2022
		Funded Exposure				Non-Funded Exposure				Total Exposure				Total Exposure
						(In millions)
Borrower 1		Rs.	265,661.9			Rs.	500.0			Rs.	266,161.9			US$	3,508.1
Borrower 2			245,435.0				—				245,435.0				3,234.9
Borrower 3			119,950.5				116,547.4				236,497.9				3,117.1
Borrower 4			150,283.8				—				150,283.8				1,980.8
Borrower 5			126,639.8				19,268.4				145,908.2				1,923.1
Borrower 6			142,600.0				—				142,600.0				1,879.5
Borrower 7			140,000.0				232.0				140,232.0				1,848.3
Borrower 8			137,700.0				199.2				137,899.2				1,817.6
Borrower 9			133,670.0				—				133,670.0				1,761.8
Borrower 10			108,591.5				17,855.7				126,447.2				1,666.6

X

- Definition

Tabular disclosure of all significant concentrations of risk, including credit risk and market risk, arising from all financial instruments (as defined), whether from an individual counterparty or groups of counterparties. The disclosure concerning concentrations of risk may consist of the following information: (1) for concentrations of credit risk disclosure may include: (a) information about the (shared) activity, region, or economic characteristic that identifies the concentration, (b) the maximum amount of loss due to credit risk that, based on the gross fair value of the financial instrument, the entity would incur if parties to the financial instruments that make up the concentration failed completely to perform according to the terms of the contracts and the collateral or other security, if any, for the amount due proved to be of no value to the entity, (c) the policy of requiring collateral or other security to support financial instruments subject to credit risk, information about the entity's access to that collateral or other security, and the nature and a brief description of the collateral or other security supporting those financial instruments, and (d) the policy of entering into master netting arrangements to mitigate the credit risk of financial instruments, information about the arrangements for which the entity is a party, and a brief description of the terms of those arrangements, including the extent to which they would reduce the entity's maximum amount of loss due to credit risk and (2) for disclosure of quantitative information about the market risks of financial instruments that is consistent with the way the company manages or adjusts those risks, disclosure may include: (a) more details about current positions and perhaps activity during the period, (b) the hypothetical effects on comprehensive income (or net assets), or annual income, of several possible changes in market prices, (c) a gap analysis of interest rate re-pricing or maturity dates, (d) the duration of the financial instruments, (e) the entity's value at risk from derivatives and from other positions at the end of the reporting period and the average value at risk during the year, or (f) other ways of reporting quantitative information as internally developed.

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