Investor Presentaiton
Building provision coverage by stage
Distribution of Risk Provision
*Remark
132%
131%
124%
125%
LLR Ratio (%)
114%
52.0
53.8
54.4
Allowance for ECL
(THB billion)
48.4
44.4
10.12
Stage 1
11.13
12.59
11.31
9.85
Stage 2
21.92
21.62
21.00
17.14
19.63
Stage 3
17.39
17.43
19.22
21.76
20.83
Jun-20
Sep-21
20-Dec
Mar-21
Jun-21
Coverage by stage
Stage 1
0.8%
0.9%
0.9%
0.8%
Stage 2
13.1%
14.8%
17.7%
18.5%
Stage 3
43.4%
45.6%
47.3%
49.3%
1.0%
18.0%
47.1%
+24 bps from 2Q20
+481 bps from 2Q20
+379 bps from 2Q20
• As of Jun-21, Allowance for ECL rose further to THB 54.4 bn, consisting of ECL plus accumulated Management Overlay against Covid-19 uncertainty
Overall risk provision by stage increased across all stages when compared to pre Covid-19 period, reflecting the Bank's tightening ECL model and prudent
risk management.
•
LLR ratio was at 125% in line with our portfolio nature of retail and collateral base loans.
Note: * Allowance of stage 3 is presented on a net basis to be in line with the industry
* LLR as of Dec-20 at 131% represented changed in accounting report from gross basis to net basis to be in line with the industry
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