IBL Financial Overview
IBL: analysis of core loans by risk category at 31 March 2021
Gross core loans at amortised cost and FVPL
(subject to ECL)
Gross core
loans at FVPL
(not subject to
ECL)
Gross core
loans
At 31 March 2021
R'million
Lending collateralised by property
Commercial real estate
Commercial real estate - investment
Commercial real estate - development
Commercial vacant land and planning
Residential real estate
Residential real estate - investment
Stage 1
Stage 2
Stage 3
Total
Gross
Exposure
ECL
Gross
Exposure
ECL
Gross
Exposure
ECL
Gross
Exposure
ECL
54 093
(256)
3 045
(84)
2 302
(284)
59 440
(624)
59 440
46 387
(227)
2 816
(78)
2 197
(262)
51 400
(567)
42 281
(202)
2 704
(77)
2 182
(258)
47 167
(535)
3 404
(22)
49
(1)
3 453
(23)
702
(3)
63
15
(6)
780
(9)
י ייי
4 435
(27)
42
(3)
5
(2)
4 482
(32)
3 792
(11)
96
(19)
3 888
(30)
Residential real estate - development
3 189
(15)
226
(6)
3 415
(21)
Residential vacant land and planning
725
(3)
3
9
(3)
737
(6)
יייי
51 400
47 167
3 453
780
4 482
3 888
3415
737
High net worth and other private client lending
139 723
(394)
4 695
Mortgages
76 604
(133)
3 632
High net worth and specialised lending
63 119
(261)
1 063
(154)
(134)
(20)
2 862
1 391
1 471
(642)
(318)
(324)
147 280 (1190)
81 627
(585)
65 653
(605)
147 280
81 627
65 653
Corporate and other lending
Acquisition finance
68 579
44 943
(334)
(216)
7 229
6 425
(178)
(160)
2 019
(402)
77 827
(914)
1421
79 248
1 462
(339)
52 830
(715)
1421
54 251
Asset-based lending
Fund finance
7 624
(29)
7 624
(29)
7 624
Other corporates and financial institutions and
governments
3 351
(4)
156
(4)
3
3510
Asset finance
6 396
(71)
219 (11)
554
(63)
7 169
(8)
(145)
3 510
7 169
Small ticket asset finance
4 127
(48)
219
(11)
506
(40)
4 852
(99)
4 852
Large ticket asset finance
2 269
(23)
48
(23)
2 317
(46)
2 317
Power and infrastructure finance
6 265
(14)
429
(3)
6 694
(17)
6 694
Resource finance
Gross core loans and advances
262 395
(984)
14 969
(416)
7 183 (1328) 284 547 (2728)
1 421
285 968
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