Total Final ECL
4,650,000.00
↑ +3.8%
Calculation month
Last updated just now
-
PDF, CSV, print, and report pack exports are planned for a future release.
Total System ECL
4,500,000.00
↑ +3.4%Total Provision
4,200,000.00
↑ +2.4%Difference vs Provision
450,000.00
↑ +18.4%Total Loans
12,500
↑ +1.0%Loans where ECL > Provision
320
↑ +7.4%Coverage Ratio
0.93%
↑ +3.3%Portfolio exposure
500,000,000.00
Total on-balance exposure in the calculation
ECL movement
+3.8% vs prior month
Change in final ECL vs prior month
ECL > provision
320
Loans where model ECL exceeds booked provision
Coverage ratio
0.93%
Final ECL divided by total exposure
Click a chart segment to filter loan tables below.
ECL Stage Mix (IFRS 9)
Total ECL4,650,000.00
Portfolio ECL Coverage
0.93%
ECL as % of portfolio exposure
Final ECL booked: 4,650,000.00
System ECL vs Provision
- Total System ECL
- Total Provision
- Total System ECL4,500,000.00
- Total Provision4,200,000.00
System ECL compared with booked provision for the latest calculation month.
Monthly ECL Trend
Six-month final ECL trajectory for trend monitoring and board reporting.
- Jan 254,100,000.00
- Feb 254,180,000.00
- Mar 254,250,000.00
- Apr 254,320,000.00
- May 254,480,000.00
- Jun 254,650,000.00
ECL by Stage
ECL by Bucket
Exposure by Stage
Exposure by Bucket
Monthly ECL Trend
Six-month final ECL trajectory for trend monitoring and board reporting.
- Jan 254,100,000.00
- Feb 254,180,000.00
- Mar 254,250,000.00
- Apr 254,320,000.00
- May 254,480,000.00
- Jun 254,650,000.00
Top loans are listed in the Top exposures tab for full detail.
Open full reportTop ECL Loans
| LN-2024-00891 | Stage 2A | 61-90 | 185,420.50 | 142,000.00 | 43,420.50 | 2,450,000.00 |
| LN-2023-01562 | Stage 2B | 91-120 | 162,300.75 | 158,000.00 | 4,300.75 | 1,980,000.00 |
| LN-2024-00334 | Stage 3A | 181+ | 148,900.00 | 120,000.00 | 28,900.00 | 1,750,000.00 |
| LN-2022-02901 | Stage 1 | 0-30 | 132,500.25 | 130,000.00 | 2,500.25 | 3,200,000.00 |
| LN-2024-01107 | Stage 2A | 31-60 | 121,800.00 | 95,000.00 | 26,800.00 | 1,680,000.00 |
| LN-2023-00788 | Stage 2B | 121-180 | 115,600.50 | 110,000.00 | 5,600.50 | 1,420,000.00 |
| LN-2024-01945 | Stage 1 | 0-30 | 108,200.00 | 105,000.00 | 3,200.00 | 2,890,000.00 |
| LN-2021-04412 | Stage 3B | 181+ | 98,500.75 | 80,000.00 | 18,500.75 | 980,000.00 |
| LN-2024-00623 | Stage 2A | 61-90 | 92,400.00 | 88,000.00 | 4,400.00 | 1,250,000.00 |
| LN-2023-02267 | Stage 1 | 31-60 | 87,650.25 | 85,000.00 | 2,650.25 | 2,100,000.00 |
Loans where ECL Exceeds Provision
| LN-2024-00891 | Stage 2A | 61-90 | 185,420.50 | 142,000.00 | 43,420.50 | 2,450,000.00 |
| LN-2024-00334 | Stage 3A | 181+ | 148,900.00 | 120,000.00 | 28,900.00 | 1,750,000.00 |
| LN-2024-01107 | Stage 2A | 31-60 | 121,800.00 | 95,000.00 | 26,800.00 | 1,680,000.00 |
| LN-2021-04412 | Stage 3B | 181+ | 98,500.75 | 80,000.00 | 18,500.75 | 980,000.00 |
| LN-2023-00788 | Stage 2B | 121-180 | 115,600.50 | 110,000.00 | 5,600.50 | 1,420,000.00 |
Stage / Bucket Summary
| Stage | Stage 1 | 9,800 | 2,100,000.00 |
| Stage | Stage 2A | 1,800 | 1,450,000.00 |
| Stage | Stage 2B | 650 | 680,000.00 |
| Stage | Stage 3A | 180 | 320,000.00 |
| Stage | Stage 3B | 70 | 100,000.00 |
| Bucket | 0-30 | 7,200 | 1,200,000.00 |
| Bucket | 31-60 | 2,100 | 980,000.00 |
| Bucket | 61-90 | 1,400 | 750,000.00 |
| Bucket | 91-120 | 900 | 620,000.00 |
| Bucket | 121-180 | 550 | 480,000.00 |
| Bucket | 181+ | 350 | 620,000.00 |