2022 Performance and Synergy Realization
Building up reserve for future uncertainties
Distribution of Risk Provision
•
LLR Ratio (%)
131%
124%
125%
121%
129%
132%
133%
135%
138%
Allowance for ECL
52.0
53.8
54.4
53.9
54.5
55.5
55.0
56.6
57.4
(THB billion)
Stage 1
10.1
11.1
12.6
12.4
12.4
12.6
12.8
12.5
13.3
Stage 2
Stage 3
21.9
21.6
21.0
21.7
22.1
23.1
23.9
25.2
24.5
19.2
21.8
20.8
19.8
20.0
19.8
18.3
18.9
19.6
Dec-20
Mar-21
Jun-21
Sep-21
Dec-21
Mar-22
Jun-22
Sep-22
Dec-22
Coverage by stage
Stage 1
Stage 2
Stage 3
0.9%
17.7%
47.3%
0.8%
18.5%
49.3%
1.0%
18.0%
47.1%
1.0%
18.1%
44.1%
1.0%
19.6%
47.1%
1.0%
20.3%
46.9%
1.0%
20.3%
44.3%
1.0%
21.0%
1.1%
20.9%
+19 bps from 4Q20
+324 bps from 4Q20
45.0%
47.0%
-28 bps from 4Q20
Loan loss buffer has been strengthened. We consistently review our conservative ECL model and closely monitor customers' behavior to ensure sufficient
levels of LLR and the distribution of risk provision.
•
As of Dec-22, LLR rose further to THB 57.4 bn and NPL coverage ratio or LLR ratio increased to 138%.
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