Kotak Mahindra Bank Ltd.

NPA - Movement, Ratios & Divergence : Mar 2011 - Mar 2020 : Non-Annualised : Rs.
Crore
Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar
2017 Mar 2018 Mar 2019 Mar 2020
12 mths 12 mths 12 mths 12 mths 12 mths 12 mths 12
mths 12 mths 12 mths 12 mths
IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP
-
NPA ratios
Gross non-performing assets to advances (%) 1.98 1.85 2.36
2.59 2.22 2.14 2.25
Net non-performing assets to net advances (%) 0.72 0.61 0.64 1.08 0.92 1.06
1.26 0.98 0.75 0.71

Movement in gross NPA

Opening gross NPA 767.34 603.49 614.19 758.11 1,059.44
1,237.23 2,838.11 3,578.61 3,825.38 4,467.94
Add: New gross NPAs identified during the year 217.49 303.61 464.32
934.24 753.46 2,866.06 1,797.13 1,858.21 1,995.24
3,394.97
Less: Deductions/repayments/W/Os of gross NPAs 381.34 292.91 320.40
632.91 575.67 1,265.18 1,056.63 1,611.44 1,352.68
2,836.02
Closing balance gross NPA 603.49 614.19 758.11 1,059.44
1,237.23 2,838.11 3,578.61 3,825.38 4,467.94 5,026.89

Movement in net NPA

Opening net NPA 360.25 211.16 237.38 311.41 573.56 609.08
1,261.96 1,718.07 1,665.05 1,544.37
Add: New net NPAs identified during year 18.71 131.63 178.03 520.02
370.69 1,348.56 904.30 724.85 689.67 1,286.55
Less: Deductions/repayments/W/Os of net NPAs 167.80 105.41 104.00
257.87 335.17 695.68 448.19 777.87 810.35
1,273.03
Closing balance net NPA 211.16 237.38 311.41 573.56 609.08
1,261.96 1,718.07 1,665.05 1,544.37 1,557.89

Divergence in asset classification & provisioning for NPAs

Gross NPAs for the prev. year as reported by the bank

Gross NPAs for the prev. year as assessed by RBI

Divergence in Gross NPA for the prev. year

Net NPAs for the prev. year as reported by the bank

Net NPAs for the prev. year as assessed by RBI

Divergence in Net NPA for the prev. year

Provisioning for NPAs for the prev. year as reported by the bank

Provisioning for NPAs for the prev. year as assessed by RBI

Divergence in provisioning for the prev. year

Reported Net Profit After Tax for the prev. year

 Notional PAT for the prev. year after adj. divergence in prov.

Details of advances restructured o/s as at the year end

Total gross restructured accounts o/s as at the year end 22.25 12.89 57.65 126.44
279.71 1,109.70 853.43 609.97 612.81 589.66
O/s amt. of loan assets - non-corporate debt restructuring 22.25 12.89 52.27
126.44 279.71 282.96 290.76 340.20 373.19 386.93
O/s amt. of loan assets - corporate debt restructuring
826.74 562.67 269.77 239.62 202.73
Total provision on restructured accounts o/s as at year end 23.84
38.25 54.40 611.53 544.35 356.35 429.83 424.23
O/s prov. on loan assets - non-corporate debt restructuring 23.84
38.25 54.40 80.00 167.25 173.74 250.33 259.60
O/s prov. on loan assets - corporate debt restructuring
531.53 377.10 182.61 179.50 164.63
Total no. of borrowers' A/Cs restructured o/s at year end 1,423.00
2,787.00 3,315.00 3,643.00 5,709.00 8,172.00 7,668.00
8,641.00
No. of borrowers' A/Cs restructured - NCDR 1,423.00 2,787.00
3,315.00 3,625.00 5,699.00 8,163.00 7,660.00 8,635.00
No. of borrowers' A/Cs restructured - CDR 18.00
10.00 9.00 8.00 6.00

Concentration of deposit advances exposure and NPA

Total deposit of 20 largest depositors (amount) 8,282.31 7,860.40

11,037.67 10,278.99 10,874.31 16,447.81 15,237.74 25,812.97
27,641.57 26,021.91
Total deposit of 20 largest depositors (%) 28.30 20.40 21.63 17.40 14.53 11.86
9.68 13.40 12.24 9.90
Total advances to 20 largest borrowers (amount) 7,438.49 9,414.94
11,344.87 12,798.38 17,758.50 21,013.54 23,288.20 25,568.50
31,002.00 30,031.31
Total advances to 20 largest borrowers (%) 13.50 12.78 13.14 13.25 13.41 10.56
9.40 8.68 8.99 7.69
Total exposure to 20 largest borrowers/customers (amount)7,676.66 9,975.82
12,182.51 14,303.84 18,357.96 23,609.29 24,180.58 27,848.74
32,565.33 31,648.19
Total exposure to 20 largest borrowers/customers (%) 13.46 13.02 13.29 13.81
13.28 11.26 9.41 9.05 9.08 7.82
Total exposure to 4 NPA accounts (amount) 94.24 84.26 156.01 307.34
301.23 573.30 737.73 612.80 638.15 633.58