Investor Presentaiton
LOAN QUALITY - BANK ONLY
Loan at Risk Continues to Decline Coupled with More Adequate Provisioning
Loan at Risk
(BRI
29.8%
28.3%
24.1%
% to Total Loan
27.2%
26.2%
21.8%
Total Restructured Loans
% to Total Loan
17.1%
16.9%
14.4%
22.1%
13.3%
21.2%
22.1%
21.2%
I
16.6%
16.6%
1
10.4%
9.4%
10.4%
9.4%
1
7.7%
7.1%
7.5%
6.7%
7.5%
5.1%
5.0%
5.1%
3.9%
3.9%
3Q'20
2020
2021
2022
1Q'23
3Q'20
2020
2021
2022
1Q23
LAR Non Covid-19
Restru Covid-19
-Total LAR
Restru Non Covid-19
Restru Covid-19
Total Restru
LAR & LAR Coverage (Inc. Covid-19)
48.0%
48.0%
35.6%
29.8%
28.3%
Total Restru. Loan by Collectability
10.3%
13.2%
16.3%
20.8%
25.8%
73.4%
24.1%
21.8%
17.1%
16.9%
66.1%
I
3Q'20
2020
2021
2022
1Q'23
1Q'22
1Q23
â– Current SML NPL
LAR
-O-LAR Coverage
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