Investor Presentaiton
Appendix
ECL and personal lending relief
Strategy
Results
ECL charge by geography, $m
Analysis by stage
499
3Q20
Reported basis, $bn
4Q20
Stage 1
Stage 2 Stage 3
Total 95
Stage 3
as a %
of Total
4Q20
219
216
237256
271
164
89
103
55
Gross loans and advances to customers
Allowance for ECL
869.9
2.0
163.2
5.0
19.1
7.4
1,052.5
14.5
1.8%
3020
(10)
Gross loans and advances to customers
Allowance for ECL
878.6
157.8
2.0
4.6
18.4
7.0
1,055.0
13.7
1.7%
(119)
4019
Hong Kong
Asia
ex. HK
UK RFB
NRFB
Mexico
Other
Gross loans and advances to customers
Allowance for ECL
951.6
80.2
1.3
2.3
13.4
5.1
1,045.5
8.7
1.3 %
4020 vs. 3Q20 geographic analysis
Asia
◆ ECL charge increased by $0.2bn from higher wholesale Stage 3
charges
UK RFB
ECL charge increase of $0.3bn driven by deterioration in forward
economic outlook due to market uncertainty
NRFB
ECL charge increase of $0.2bn from higher wholesale Stage 1 & 2
charges compared to a net release in 3Q20
UK personal lending relief, $m
At 31 December 2020
Drawn loan
value
UK secured lending
1,419
140
Exited
payment
holidays 96
11,933
1,166
% of balances exiting
Current
Noncurrent
payment holidays and
11,709
224
1,025
140
UK unsecured lending
are current
98%
88%
♦ In the UK, 97% of balances that have exited payment holiday agreements are up to
date with their payments
◆ Levels of Covid-19 customer relief in 17 major markets down 79% vs. 2020, c.90% of
customers exiting their agreements are current on their payments; c.95% of secured customers
are current 97
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