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Concentrations of credit risk (Tables) - Exposure to ten largest borrowers

12 Months Ended

Mar. 31, 2024

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, 2023 and March 31, 2024, the exposures are as set forth below.


	As of March 31, 2023
Category	Gross loans		Fair value of credit substitutes		Non-funded exposure		Total		%

Consumer Loans	Rs.	4,410,346.6	Rs.	—	Rs.	2,550.8	Rs.	4,412,897.4		22.4
Retail Trade		973,274.3		—		36,013.4		1,009,287.7		5.1
Power		695,716.5		64,805.5		45,576.3		806,098.3		4.1
NBFC		690,783.9		91,595.9		15,995.5		798,375.3		4.1
Financial Institutions		659,117.5		72,068.3		4,435.4		735,621.2		3.7
Consumer Services		581,272.1		3,545.4		123,464.7		708,282.2		3.6
Food and Beverage		566,172.9		1,419.2		49,084.4		616,676.5		3.1
Road Transportation		568,414.2		—		12,512.4		580,926.6		3.0
Coal & Petroleum Products		353,329.8		115,279.8		102,771.3		571,380.9		2.9
Wholesale Trade—Non Industrial		530,057.5		1,988.8		31,887.0		563,933.3		2.9
Automobile & Auto Ancillary		483,658.4		17,656.8		38,921.4		540,236.6		2.7
Real Estate & Property Services		458,906.6		4,691.4		52,228.7		515,826.7		2.6
Wholesale Trade—Industrial		421,900.9		—		70,853.6		492,754.5		2.5
Infrastructure Development		284,690.7		15,220.2		170,452.2		470,363.1		2.4
Engineering		300,745.5		5,596.0		131,956.5		438,298.0		2.2
Agri—Allied		431,581.2		—		2,701.2		434,282.4		2.2
Iron and Steel		360,021.9		12,231.9		61,224.3		433,478.1		2.2
Textiles & Garments		390,883.0		4,984.5		34,729.1		430,596.6		2.2
Telecom		365,112.3		—		42,221.1		407,333.4		2.1
Agri Production—Food		401,720.3		—		1,040.5		402,760.8		2.0
Others (none greater than 2%)		3,490,386.3		92,104.1		719,829.4		4,302,319.8		22.0

Total	Rs.	17,418,092.4	Rs.	503,187.8	Rs.	1,750,449.2	Rs.	19,671,729.4		100.0


	As of March 31, 2024
Category	Gross loans		Fair value of credit substitutes		Non-funded exposure		Total		Total		%

			(In millions, except percentages)
Consumer Loans	Rs.	10,191,521.5	Rs.	—	Rs.	468.1	Rs.	10,191,989.6	US$	122,294.1		35.1	%
NBFC		1,725,559.7		20,585.6		5,153.7		1,751,299.0		21,013.9		6.0	%
Retail Trade		1,085,962.9		—		56,822.6		1,142,785.5		13,712.3		3.9	%
Real Estate & Property Services		1,070,220.3		3,495.0		57,556.4		1,131,271.7		13,574.2		3.9	%
Consumer Services		860,297.1		—		35,933.7		896,230.8		10,753.9		3.1	%
Power		770,473.1		37,706.9		63,452.3		871,632.3		10,458.8		3.0	%
Infrastructure Development		450,183.2		6,716.0		336,982.5		793,881.7		9,525.8		2.7	%
Food and Beverage		712,895.6		1,405.1		59,163.2		773,463.9		9,280.8		2.7	%
Road Transportation		741,738.6		—		11,160.3		752,898.9		9,034.1		2.6	%
Others (none greater than 2%)		9,184,195.4		61,578.3		1,477,275.2		10,723,048.9		128,666.3		37.0	%

Total	Rs.	26,793,047.4	Rs.	131,486.9	Rs.	2,103,968.0	Rs.	29,028,502.3	US$	348,314.2		100.0	%

Fair Value, Concentration of Risk

The Bank’s ten largest exposures as of March 31, 2023 and March 31, 2024, 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, 2023
	Funded Exposure		Non-Funded Exposure		Total Exposure

	(In millions)
Borrower 1	Rs.	284,002.5	Rs.	—	Rs.	284,002.5
Borrower 2		220,901.6		1,200.0		222,101.6
Borrower 3		205,801.0		—		205,801.0
Borrower 4		80,344.5		112,144.7		192,489.2
Borrower 5		185,299.0		—		185,299.0
Borrower 6		154,296.7		21,764.8		176,061.5
Borrower 7		155,565.7		60.0		155,625.7
Borrower 8		139,808.3		—		139,808.3
Borrower 9		121,560.0		6,030.3		127,590.3
Borrower 10		112,479.0		15,070.0		127,549.0


	As of March 31, 2024
	Funded Exposure		Non-Funded Exposure		Total Exposure		Total Exposure

			(In millions)
Borrower 1	Rs.	301,241.8	Rs.	—	Rs.	301,241.8	US$	3,614.6
Borrower 2		276,973.5		1,200.0		278,173.5		3,337.8
Borrower 3		220,801.0		—		220,801.0		2,649.4
Borrower 4		214,755.0		42.5		214,797.5		2,577.4
Borrower 5		212,970.4		—		212,970.4		2,555.4
Borrower 6		187,963.3		200.0		188,163.3		2,257.8
Borrower 7		175,000.0		28.1		175,028.1		2,100.2
Borrower 8		163,105.7		5,893.4		168,999.1		2,027.8
Borrower 9		47,933.7		112,605.5		160,539.2		1,926.3
Borrower 10		145,250.0		21.0		145,271.0		1,743.1

- 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.

+ References + Details