27.3 Credit Portfolio and Asset Quality – Trend

This section describes the parameters of Credit Portfolio and Asset Quality – Trend Analysis.

Table 27-4 Credit Portfolio and Asset Quality – Trend Analysis Parameters

Parameters	Description
Analysis Name	Credit Portfolio and Asset Quality – Trend
Report Level Filters	Tabular Report: All measures covered by this analysis and periodicity of the trend. Graphical Report: All dimensions covered by this analysis and time period.
Analysis Description	This analysis gives a multidimensional view of the past trend for a selected measure over the last eight years, quarters or months. Along with the actual values of the selected measure, the report also displays the variance in actuals and percentage between each period. The measures covered by this analysis are: Number of Accounts, EOP Balance – Total, Gross Credit Exposure, Undrawn Balance, Watchlisted Exposures, Delinquent Exposure - Up to 30 days DPD, Delinquent Exposure - 31 to 60 days DPD, Delinquent Exposure - More than 60 days DPD, Total Delinquent Exposures, NPA - Sub-Standard Exposure, NPA - Doubtful Exposure, NPA - Loss Exposure, Total Non-Performing Assets, Allowance for Loans & Lease Losses, Provisions, Net Charge Off, Gross Charge Off, Recoveries, Foreclosed and Overdues.
Reports Covered	This analysis is presented through a combination of tabular and graphical reports, comprising the following: Credit Portfolio and Asset Quality – Trend: A multidimensional tabular report displaying the trend of a selected measure over 8 years or 8 quarters or 8 months. Credit Portfolio and Asset Quality - Trend of Variance: A multidimensional tabular report displaying the variance of a selected measure over 8 years or 8 quarters or 8 months. Key Credit Metrics Trend: A line chart displaying the trend of the selected measure over 8 years or 8 quarters or 8 months for the selected combinations of dimensions and period. You can choose the data using any one of the following measures as a dropdown filter: All Measures, EOP Balance – Total, Gross Credit Exposure, Undrawn Balance, Total Non-Performing Assets and Allowance for Loan and Lease Losses. Filter the data using any one of the following measures: All Measures, EOP Balance – Total, Gross Credit Exposure, Undrawn Balance Total Non-Performing Assets and Allowance for Loan and Lease Losses. Key Credit Metrics Variance Trend: A line chart displaying the variance of selected measure over 8 years or 8 quarters or 8 months for the selected combinations of dimensions and period. You can choose the data using any one of the following measures as a dropdown filter: All Measures, EOP Balance – Total, Gross Credit Exposure, Undrawn Balance, Total Non-Performing Assets and Allowance for Loan and Lease Losses. Filter the data using any one of the following measures: All Measures, EOP Balance – Total, Gross Credit Exposure, Undrawn Balance, Total Non-Performing Assets and Allowance for Loan and Lease Losses. Stressed Assets Classification Trend: A line chart displaying the trend of selected measure over 8 years or 8 quarters or 8 months for the selected combinations of dimensions and period. You can choose the data using any one of the following measures as a dropdown filter: All Measures, Watchlisted Exposures, Delinquent Exposures – Up to 30 days DPD, Delinquent Exposures – 31 to 60 days DPD, Delinquent Exposures – more than 60 days DPD, Total Delinquent Exposures, NPA-Sub-Standard Exposure, NPA - Doubtful Exposure, NPA - Loss Exposure and Total Non-Performing Assets. Filter the data using any one of the following measures: All Measures, Watchlisted Exposures, Delinquent Exposures – Up to 30 days DPD, Delinquent Exposures – 31 to 60 days DPD, Delinquent Exposures – more than 60 days DPD, Total Delinquent Exposures, NPA-Sub-Standard Exposure, NPA - Doubtful Exposure, NPA - Loss Exposure and Total Non-Performing Assets. Stressed Assets Classification Variance Trend: A line chart displaying the variance of the selected measure over 8 years or 8 quarters or 8 months for the selected combinations of dimensions and period. You can choose the data using any one of the following measures as a dropdown filter: All Measures, Watchlisted Exposures, Delinquent Exposures – Up to 30 days DPD, Delinquent Exposures – 31 to 60 days DPD, Delinquent Exposures – more than 60 days DPD, Total Delinquent Exposures, NPA-Sub-Standard Exposure, NPA - Doubtful Exposure, NPA - Loss Exposure and Total Non-Performing Assets. You can filter the data using one of the following measures: All Measures Watchlisted Exposures, Delinquent Exposures – Up to 30 days DPD, Delinquent Exposures – 31 to 60 days DPD, Delinquent Exposures – more than 60 days DPD, Total Delinquent Exposures, NPA-Sub-Standard Exposure, NPA - Doubtful Exposure, NPA - Loss Exposure and Total Non-Performing Assets. Loan Loss Reserves Trend: A line chart displaying the trend of all the loan loss reserves of the selected measure over 8 years or 8 quarters or 8 months, for the selected combinations of dimensions and period. You can choose the data using any one of the following measures as a dropdown filter: All Measures, Allowance for Loans and Lease Losses, Provisions, Net Charge Off, Gross Charge Off, Recoveries from WO Accounts, Foreclosures and Overdues. You can filter the data using one of the following measures: All Measures, Allowance for Loans and Lease Losses, Provisions, Net Charge Off, Gross Charge Off, Recoveries from WO Accounts, Foreclosures and Overdues. Loan Loss Reserves Variance Trend: A line chart displaying the variance of all the loan loss reserves of the selected measure over 8 years or 8 quarters or 8 months, for the selected combinations of dimensions and period. You can choose the data using any one of the following measures as a dropdown filter: All Measures, Allowance for Loans and Lease Losses, Provisions, Net Charge Off, Recoveries from WO Accounts, Foreclosures and Overdues. You can filter the data using one of the following measures: All Measures, Allowance for Loans and Lease Losses Provisions, Net Charge Off, Recoveries from WO Accounts, Foreclosures and Overdues.
Dimensions	Legal Entity Line of Business Product Type Product Organization Structure Customer Type Collateral Type Asset Classification Natural Currency External Credit Score band Occupation Status LTV Sourcing Channel Customer Age band Delinquency band Lien position
Drill-down details	Not Applicable
Drill-down Path	Not Applicable