CalBank Banking Sector Overview & Competitor Benchmarking

I LOANS Key Credit metrics NPL Ratio contained at 11.7% due to enhanced credit risk management NPL Coverage Ratio (With Regulatory Reserve) 76.6% 51.1% 66.9% 55.7% 16.0% 81.9% 12.0% Non-performing loans ratio 10.0% 8.4% 8.0% 4.0% 13.5% 11.7% 11.2% 11.2% FY18 FY19 FY20 FY21 FY22 0.0% FY18 FY19 FY20 FY21 FY22 Q123 Source: Company filings CalBank 36

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