27.2 Credit Quality - Summary

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

Table 27-3 Credit Quality - Summary Analysis Parameters

Parameters	Description
Analysis Name	Credit Quality – Summary
Report Level Filters	Tabular Report: Not Applicable All Graphical Reports: All the dimensions covered by this analysis.
Analysis Description	This analysis gives a multidimensional view of the credit quality of the retail banking book. The measures covered by this report are: Number of Accounts, GCE, Total EOP Balance, Undrawn Balance, YTD Avg Utilization, Overdues, YTD Provisions, YTD Gross Charge Off, YTD Recoveries, YTD Net Charge Off, Allowance for Loans and Lease Losses, YTD Foreclosures and Security Value.
Reports Covered	This analysis is presented through a combination of a tabular and graphical report, including the following: Credit Quality Summary: A multidimensional tabular report displaying the credit quality of the retail banking book through measures such as Number of accounts, GCE, Total EOP Balance, Undrawn Balance, YTD Avg Utilization, Overdues, YTD provisions, YTD Gross Charge Off, YTD recoveries, YTD Net Charge Off, Allowance for Loans and Lease Losses, YTD Foreclosures, and Security Value, for all the listed dimensions. Filter the below graphical reports based on the dimension and metric options available. Number of Accounts – Portfolio Summary: A Horizontal Bar chart displaying the number of accounts in the portfolio, for chosen combination of dimensions. Loan Loss Reserves Key Metrics: A Clustered column chart summarizing Allowance for Loan and Lease Losses (ALLL) and the how the provisions and charge offs have had an impact on the ALLL of the portfolio, based on chosen combination of dimensions. Exposure Utilization Summary: A Clustered column chart displaying the limit utilization of the portfolio, based on chosen combination of dimensions. Exposure Mitigation Summary: A Clustered column chart displaying mitigation by way of security value and ALLL available vis a vis the existing exposure. Key Credit Quality Metrics- Composition: A radar chart displaying the composition or percentage proportion of all the key credit quality measures (except ratio) for a chosen retail banking portfolio. You can choose any one of the measures from the drop-down filter: All measures, Allowance for loans & lease losses, YTD provisions, YTD Gross Charge Off, YTD recoveries, YTD Net charge Off. You can filter the data based on any one of the following measures: All Measures, Allowance for Loans and Lease Losses, YTD Provisions, YTD Gross Charge Off, YTD Recoveries and YTD Net Charge Off. Overdues/ Foreclosures Summary: A column chart displaying the YTD Overdues or YTD Foreclosures for a chosen retail banking portfolio. You can choose the following measure from the drop down filter: Foreclosures, Overdues. You can filter the data using any one of the following measures: Overdues and Foreclosures.
Dimensions	Legal Entity Line of Business Product Type Product Organization Structure Customer Type Natural Currency Age on book Band Watchlist Status Credit Status Sourcing Channel LTV Band Collateral Type Customer Age Band Exposure Band External Credit Score Band Delinquency Bands
Drill-down details	Not Applicable
Drill-down Path	Not Applicable