Higher charge-offs were concentrated in commercial loans at large banks and in credit card specialty lenders. What areas may present heightened risks to community banks today? First, for most of the past decade, community banks--particularly those in the asset range of $ million to $ billion--have actively expanded their commercial real estate lending.
From the year ending 31 March 2000, the following information, among others, should also be disclosed by the banks operating in India in the published accounts: •  Maturity pattern of loans and advances, investment securities, deposits & borrowings,  •  Foreign currency assets and liabilities,  •  Movements in NPAs & provisions,  •  Lending to sensitive sectors as defined by the RBI from time to time.