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Investor Presentaiton

Credit quality Impaired loans and allowances 6.2 6.1 6.3 6.2 6.3 • 9.5 9.8 9.9 10.1 10.1 8.1 7.9 8.1 7.9 7.9 125.1 126.7 122.5 127.5 • 117.3 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Impaired Loans (USD Bn) * Impairment Allowances (USD Bn) NPL Ratio (%) Coverage ratio (%) Highlights Income Expenses Risk Capital Liquidity Macro Divisional Key Highlights • • NPL ratio increased by 0.1% to 6.3% in FY-21 Coverage ratio strengthened 10.2% to 127.5% during 2021 o S1 and S2 coverage broadly stable despite stage migrations in 2021 。 S3 coverage up at 91.1% on higher provisions 124 bps cost of risk back within pre-pandemic range down from 163 bps in 2020 The Bank has supported 131,023 customers with USD 2.9 billion of deferrals o USD 2.2 bn has been repaid, resulting in net support of USD 0.7 bn as at Q4-21 。 TESS zero cost funding repaid in full o Repayments demonstrate improving business sentiment ECL to Loan Coverage** Stagewise ECL (USD bn) Total Gross Loans Deferral Support and Repayments (USD bn) FY-21 USD 125bn 2.9 2.9 2.9 2.8 10.1 1.0% 9.5 1.1% 21.1% 1.0 Stage 1 22.2% 1.3 1.9 1.6 Stage 2 Stage 1 87% 2.5 2.3 2.3 88% 0.5 1.5 1.1 1.9 Stage 2 7% 2.2 2.2 Repayments FY-20 USD 175bn 6% 6% 85.7% 91.1% Stage 3 6% 6.7 7.2 Stage 3 1.8 1.4 1.3 1.0 0.7 0.7 Remaining Support FY-20 FY-21 FY-20 FY-21 *Includes purchase originated credit impaired loans of USD 0.3bn (Dec-20: USD 0.6bn) acquired at fair value / **Stage 3 coverage adjusted for POCI acquired at FV Q2 20 Q3 20 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 19
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