Financial Performance Highlights
Overview Operating Environment Financial Review Guidance
Adequate coverage for Stage 3 Loans at 68.0%.
Gross Loan Book by Stage
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Communication
17,723
11,507
1,940
31,170
56.9%
36.9%
6.2%
1.9%
Oil and Gas
266,730
140,662
4,130
411,521
64.8%
34.2%
1.0%
25.6%
- Oil & Gas Upstream
64,059
103,427
167,486
38.2%
61.8%
0.0%
10.4%
- Oil & Gas Downstream
92,516
12,312
2,836
107,664
85.9%
11.4%
2.6%
6.7%
- Oil & Gas Services
110,155
24,923
1,293
136,372
80.8%
18.3%
0.9%
8.5%
Power
3,109
141,383
0
144,491
2.2%
97.8%
0.0%
9.0%
Manufacturing
214,921
438
3,074
218,433
98.4%
0.2%
1.4%
13.6%
General Commerce
137,584
92
4,708
142,384
96.6%
0.1%
3.3%
8.9%
Transport
154,528
35,982
9,434
199,944
77.3%
18.0%
4.7%
12.4%
Consumer (Individuals)
55,003
1,736
3,055
59,794
92.0%
2.9%
5.1%
3.7%
Government
182,459
2,135
23
184,616
98.8%
1.2%
0.0%
11.5%
Construction
74,488
1
1,441
75,930
98.1%
0.0%
1.9%
4.7%
Agriculture
42,525
0
4,966
47,491
89.5%
0.0%
10.5%
3.0%
Real Estate
6,209
22,861
170
29,240
21.2%
78.2%
0.6%
1.8%
Education
4,804
9
598
5,411
88.8%
0.2%
11.1%
0.3%
Finance and Insurance
1,638
20
636
2,295
71.4%
0.9%
27.7%
0.1%
Others
41,894
195
11,316
53,404
78.4%
0.4%
21.2%
3.3%
Total
% Share of Total
Coverage Ratio
1,203,614
357,019
45,491
1,606,125
74.9%
22.2%
2.8%
100.0%
74.9%
0.9%
22.2%
8.1%
2.8%
68.0%
100.0%
4.4%
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