Fidelity Financial Review & Guidance
Overview Operating Environment Financial Review Guidance
Adequate coverage for Stage 3 Loans at 57.2%.
Gross Loan Book by Stage
Stage 1
Stage 2
Communication
14,666
13,886
Stage 3
982
Total
Stage 1
Stage 2
Stage 3
Total
29,535
49.7%
47.0%
3.3%
1.7%
Oil and Gas
321,552
127,093
4,203
452,848
71.0%
28.1%
0.9%
26.1%
- Oil & Gas Upstream
97,531
79,878
177,409
55.0%
45.0%
0.0%
10.2%
- Oil & Gas Downstream
82,591
17,373
2,805
102,770
80.4%
16.9%
2.7%
5.9%
- Oil & Gas Services
141,430
29,842
1,398
172,670
81.9%
17.3%
0.8%
10.0%
Power
3,871
145,804
0
149,675
2.6%
97.4%
0.0%
8.6%
Manufacturing
221,210
7,585
3,160
231,955
95.4%
3.3%
1.4%
13.4%
General Commerce
137,822
9,274
6,698
153,795
89.6%
6.0%
4.4%
8.9%
Transport
210,547
5,794
10,387
226,727
92.9%
2.6%
4.6%
13.1%
Consumer (Individuals)
58,743
1,390
6,525
66,658
88.1%
2.1%
9.8%
3.8%
Government
175,349
0
16
175,365
100.0%
0.0%
0.0%
10.1%
Construction
54,970
3,684
317
58,971
93.2%
6.2%
0.5%
3.4%
Agriculture
62,866
4,567
4,326
71,759
87.6%
6.4%
6.0%
4.1%
Real Estate
43,160
170
43,330
99.6%
0.0%
0.4%
2.5%
Education
7,459
609
8,075
92.4%
0.1%
7.5%
0.5%
Finance and Insurance
4,231
1
666
4,898
86.4%
0.0%
13.6%
0.3%
Others
46,125
716
12,112
58,954
78.2%
1.2%
20.5%
3.4%
Total
% Share of Total
Coverage Ratio
1,362,572
319,799
50,174
1,732,545
78.6%
18.5%
2.9%
100.0%
78.6%
1.4%
18.5%
8.4%
2.9%
57.2%
100.0%
4.3%
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