Investor Presentaiton
Appendix
Asset quality
Strategy
Results
Gross loans and advances to
customers
By credit quality classification
At 31 December 2020
Loans and advances to customers
of 'Strong' or 'Good' credit
Stage 3 and impaired loans and
advances to customers
Reported LICS/ECL
quality
783
IAS 39 IFRS 9
IAS 39
IFRS 9
8.8
19.1
726 730
740
18.2
638
15.5
Good
13.0
13.4
Strong
22.2%
48.1% $1,052bn
24.4%
74.8
75.0
73.4
73.7
70.3
2.1
1.8
3.4
0.4
1.6
2.8
1.8
1.3
1.3
0.2
1.8 10.3
0.2.
0.8
Satisfactory
Impaired Sub-standard
2016
Strong
CRR 1-2
Good
Satisfactory
Sub-standard
Credit impaired
CRR 3
CRR 4-5
CRR 6-8
CRR 9-10
2017 2018 2019 2020
'Strong' or 'Good' loans as a % of gross loans
and advances to customers (%)
'Strong' or 'Good' loans ($bn)
Strong or Good loans as a % of gross
loans and advances to customers
decreased to 70.3% due to the impact
of Covid-19
2016 2017 2018
2019 2020
Impaired loans as % of average gross loans
and advances to customers (%)
Stage 3 loans as a % of average gross loans
and advances to customers (%)
Impaired loans ($bn)
Stage 3 loans ($bn)
Stage 3 loans as a % of gross loans
and advances to customers of 1.8% at
FY20
2016 2017 2018 2019
2020
LICS as a % of average gross loans and
advances to customers (%)
ECL as a % of average gross loans and
advances to customers (%)
LICS ($bn)
ECL ($bn)
ECL charge of $8.8bn in 2020; ECL as
a % of average gross loans and
advances to customers of 81bps at
FY20
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