Page 357 - NHB AR 2020-21-3 complete- Print (1)
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b) Concentration of credit exposures
(Amount in ` crore)
Particulars 2020-21 2019-20
Total exposures to twenty largest borrowers
61,912.67 71,629.38
Percentage of exposures to twenty largest
borrowers to Total Advances of the AIFI 89% 86%
Total Exposure to twenty largest borrowers
/ customers 61,912.67 71,629.38
Percentage of exposures to twenty largest
borrowers / customers to Total Exposure of the 88% 86%
AIFI on borrowers / customers
In the case of EXIM Bank, percentage of total of Not Applicable Not Applicable
top ten country exposures to total exposures
c) Sector-wise concentration of exposures and NPAs
Sr. No. Sector Outstand- 2020-21 Outstand- (Amount in ` crore)
ing Total Gross Percentage ing Total 2019-20
Advances Advances
Gross Percentage
83,545.10
NPAs of Gross 0.00 NPAs of Gross
0.00
NPAs to 0.00 NPAs to
0.00
Total Ad- Total Ad-
17,218.66
vances in vances in
I. Housing Sector 85,548.95 2,502.85 that sector 2,502.85 that sector
1 Central Government 0.00 0 2.99% 0.00 2.99%
2 Central PSUs 0.00 0 0.00% 0.00 0.00%
3 State Governments 0.00 0 0.00% 0.00 0.00%
4 State PSUs* 0.00 0 0.00% 0.00 0.00%
5 Scheduled Commercial 12,417.68 0 0.00% 0.00 0.00%
0.00% 0.00%
Banks 0.00
6 Regional Rural Banks 871.08 0 0.00% 988.43 149.13 0.00%
7 Co-operative banks 149.13 149.13 100.00% 149.13 2,349.54 100.00%
8 HFCs** 72,106.88 2,349.54 65,184.70
9 Private sector (excluding 4.18 3.26% 4.18 3.60%
4.18 100.00% 4.18 100.00%
banks and HFCs)*** 69.72 0.00 0.00% 82.95 0.00 0.00%
II. Commercial Real
Estate, if any11 237.90 0.00 0.00 0.00 0.00%
III. Others (TREP Lending) 2,502.85 0.00% 2,502.85 2.99%
Total (I+II+III) 85,856.57 2.99% 83,628.05
* Includes State Housing Boards, Municipal Corporations, Development Authorities and State PSUs
** Includes Co-operative Housing Finace Societies
*** Pertaining to MFIs registered under SocietiesAct
11 Exposure to commercial real estate incldes direct including securitised exposures secured by mortgages on
commercial real estate(office building, retail space, multu-purpose commercial premises, multi-family residential
buildings,multi tenanted commercial premises, industrial or earehouse space, hotels, land acquisition, development
and construction, etc). Exposures would also include no-fund based (NFB) limits.
Annual Report 2020-21 | 325(m)
(Amount in ` crore)
Particulars 2020-21 2019-20
Total exposures to twenty largest borrowers
61,912.67 71,629.38
Percentage of exposures to twenty largest
borrowers to Total Advances of the AIFI 89% 86%
Total Exposure to twenty largest borrowers
/ customers 61,912.67 71,629.38
Percentage of exposures to twenty largest
borrowers / customers to Total Exposure of the 88% 86%
AIFI on borrowers / customers
In the case of EXIM Bank, percentage of total of Not Applicable Not Applicable
top ten country exposures to total exposures
c) Sector-wise concentration of exposures and NPAs
Sr. No. Sector Outstand- 2020-21 Outstand- (Amount in ` crore)
ing Total Gross Percentage ing Total 2019-20
Advances Advances
Gross Percentage
83,545.10
NPAs of Gross 0.00 NPAs of Gross
0.00
NPAs to 0.00 NPAs to
0.00
Total Ad- Total Ad-
17,218.66
vances in vances in
I. Housing Sector 85,548.95 2,502.85 that sector 2,502.85 that sector
1 Central Government 0.00 0 2.99% 0.00 2.99%
2 Central PSUs 0.00 0 0.00% 0.00 0.00%
3 State Governments 0.00 0 0.00% 0.00 0.00%
4 State PSUs* 0.00 0 0.00% 0.00 0.00%
5 Scheduled Commercial 12,417.68 0 0.00% 0.00 0.00%
0.00% 0.00%
Banks 0.00
6 Regional Rural Banks 871.08 0 0.00% 988.43 149.13 0.00%
7 Co-operative banks 149.13 149.13 100.00% 149.13 2,349.54 100.00%
8 HFCs** 72,106.88 2,349.54 65,184.70
9 Private sector (excluding 4.18 3.26% 4.18 3.60%
4.18 100.00% 4.18 100.00%
banks and HFCs)*** 69.72 0.00 0.00% 82.95 0.00 0.00%
II. Commercial Real
Estate, if any11 237.90 0.00 0.00 0.00 0.00%
III. Others (TREP Lending) 2,502.85 0.00% 2,502.85 2.99%
Total (I+II+III) 85,856.57 2.99% 83,628.05
* Includes State Housing Boards, Municipal Corporations, Development Authorities and State PSUs
** Includes Co-operative Housing Finace Societies
*** Pertaining to MFIs registered under SocietiesAct
11 Exposure to commercial real estate incldes direct including securitised exposures secured by mortgages on
commercial real estate(office building, retail space, multu-purpose commercial premises, multi-family residential
buildings,multi tenanted commercial premises, industrial or earehouse space, hotels, land acquisition, development
and construction, etc). Exposures would also include no-fund based (NFB) limits.
Annual Report 2020-21 | 325(m)
