25.1 Credit Portfolio - Summary

This section describes the parameters of the Credit Portfolio - Summary Analysis.

Table 25-2 Credit Portfolio - Summary Analysis Parameters

Parameters	Description
Analysis Name	Credit Portfolio - Summary
Report Level Filters	Tabular Report: Not Applicable Graphical Report: All the dimensions covered by this analysis.
Analysis Description	This analysis provides a multidimensional overview of the retail banking book, through a combination of key credit measures such as: Number of Accounts Gross Credit Exposure (GCE) EOP Balance Total (EOP-Total) Overdues Undrawn Balance Commitments Non-Performing Assets (NPA) Non-Performing Assets/EOP Balance – Fund Based (NPA percentage) Allowance for Loan and Lease Losses (ALLL) Allowance for Loan and Lease Losses/EOP Balance – Fund Based Security Value
Reports Covered	This analysis is presented through a combination of tabular and graphical reports, consisting of the following: Credit Portfolio Summary: A multidimensional tabular report displaying all the measures covered by the analysis for all the selected combination of dimensions. The tabular report can be further drill-down to Obligor level details Key Credit Metrics: A combination chart where for a given date and selected dimension, the stacked column chart displays the EOP Balance – Total, Undrawn Balance Commitments, and the line charts displays the NPA percentage and ALLL percentage. The graphical report also provides a detailed drill-down tabular report to Obligor level details. Key Credit Metrics: Composition: A radar chart displaying the composition or percentage proportion of all the key credit measures (except ratios) by a selected measure. You can filter data by selecting one of the following measures: All Measures, EOP Balance – Fund Based, EOP Balance – Non Fund Based, EOP Balance Total, Gross Credit Exposure, Undrawn Balance Commitments, and Non-Performing Assets, Allowance for Loan and Lease Losses, Security Value and Overdues. You can filter data by selecting one of the following measures: All Measures, EOP Balance – Fund Based, EOP Balance – Non Fund Based, EOP Balance Total, Gross Credit Exposure, Undrawn Balance Commitments, Non-Performing Assets, Allowance for Loan and Lease Losses, Security Value and Overdues.
Dimensions	Legal Entity Line of Business Product Type Product Organization Structure Collateral type Customer Type LTV Natural Currency Maturity Profile Age on book Band Sourcing Channel Customer Age Bands Exposure Band Co-Signer Status External Credit Score Bands Lien Position
Drill-down details	The Credit portfolio summary tabular report can be drill-down to Obligor level details. Click on the natural currency to view the Obligor level details such as the Obligor Name, Obligor ID, Line of Business, Product type, Product, Natural Currency, Gross Credit Exposure, EOP Balance – Fund based, EOP Balance – Total, Undrawn balance commitments, Overdues, Credit Status, Watchlist Status, External credit score, Allowance for Loan and lease loss, Allowance for Loan and Lease Losses/EOP Balance – Fund Based, Account status, Interest type and Security value. TheKey Credit Metrics graphical report also provides the drill-down tabular report to Obligor level details. Click on any column in the graph and click on key credit metric detail, the following details will be displayed: Obligor, Obligor ID, PD %, Rating, Credit Score, Credit status, Watchlist status, Days Past due, Gross Credit Exposure, EOP Balance - Fund Based, EOP Balance – Non Fund Based, Total EOP Balance, Undrawn Amount, Overdue, Allowance for Loan and Lease Losses, Expected Loss, Security Value and Utilization Percent.
Drill-down Path	In the Credit Portfolio - Summary (tabular report), click on Natural Currency to view the Drill-down Report with Obligor level details. In the Key credit metric graph click on any stacked column, click on key credit metric detail to view the obligor level details for the respective key credit metric.