Prudential Exposure Norms and Compliance to R.B.I. Directives ( As on 31.03.2023)
| Prudential Exposure Norms and Compliance to R.B.I. Directives ( As on 31.03.2023) | |||
| S.No | PARAMETERS | RBI DIRECTIVES | BANKS’ COMPLIANCE |
| Liquidity: | |||
| 1. | Statutory Liquidity Ratio (SLR) | Min. 18.00% of NDTL | Maintained throughout the year
|
| 2. | Cash Reserve Ratio (CRR) | Min 4.50% of NDTL | Maintained throughout the year |
| 3. | Net Worth | Min. Rs. 200 lakhs | Rs. 9.18 Lakhs |
| 4. | Capital to Risk Weighted Assets Ratio (CRAR)
| Min. 9% shall be maintained | 13.20% |
| Credit : | |||
| 5. | Credit Exposure Ceilings | Max 15% Net Owned funds per Borrower Max. 25% of Net Owned Funds per Associates | Within the ceilings
|
| 6. | Exposure to Unsecured Advances | Max 10% of total Assets | 0.72% |
| 7. | Priority Sector Advances | Min. 60% of Adjusted Net Bank Credit | 75.01% |
| 8. | Weaker Section Advances | Min 11.5% of Adjusted Net Bank Credit | 13.67% |
| 9 | Micro Enterprises | Min. 7.50% of Adjusted Net Bank Credit | 8.16% |
| 10. | i) Gross Non-Performing Assets ii) Net Non-Performing Assets | i) < 7% of the Total Advances ii) <3% of the Total Advances | Gross NPA – 1.51% Net NPA – 0.00% |
| 11 | Loans to Directors | Not to sanction any loans after 01-10-2003 | NIL |
| 12. | Credit policy & Investment policy | Bank should have a clear written policy | YES |
| 13. | NPA Provision requirements | Standard Assets a) Direct Advances to Agriculture and SME sector 0.25% b) Commercial Real Estate (CRE) Sector Advances 1.00% c)CRE – Residential Housing Sector 0.75% d) All other Standard Loan Advances 0.40% | Provisions are made adequately |
100% on Loss Assets 100% on Advances – doubtful more than 3 years 30% on Advances – doubtful 1 to 3 years 20% on Advances – doubtful up to 1 year 10% on Sub Standard Advances | Provisions are made adequately | ||
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