Page 109 - Annual Report 2023

ANNUAL REPORT 2023 40
Notes to the Consolidated Financial Statements for the year ended 31 December 2023
(amounts in USD, unless otherwise stated)

The following table sets out information about the aging analyses of loan to customers in 2023 by business lines’ products.

31 Retail lending
December
2023 Mortgage Consumer Credit cards

Stage1 Stage2 Stage3 Total Stage1 Stage2 Stage3 Total Stage1 Stage2 Stage3 Total

Current 462,811,209 1,509,883 770,796 465,091,888 274,789,759 465,435 132,109 275,387,303 13,206,961 117 4,887 13,211,965

1 - 30 days 27,245,335 894,781 478,978 28,619,094 9,818,855 96,521 75,904 9,991,280 1,158,369 (12) 1,545 1,159,902
31 - 90 - 8,873,682 590,738 9,464,420 - 3,293,485 138,520 3,432,005 - 184,700 530 185,230
days
91 - 180 - - 456,514 456,514 - - 253,181 253,181 - - 12,575 12,575
days
181 - 360 - - 254,279 254,279 - - 287,188 287,188 - - 373,056 373,056
days
> 361 days - - 1,566,162 1,566,162 - - 828,334 828,334 - - - -

Total 490,056,544 11,278,346 4,117,467 505,452,357 284,608,614 3,855,441 1,715,236 290,179,291 14,365,330 184,805 392,593 14,942,728

Value of
discounted 631,523,243 21,912,426 14,311,759 667,747,428 253,190,277 5,490,753 3,068,583 261,749,613 - - - -
collateral

LOANS TO CUSTOMERS AT AMORTISED COST

Corporate lending

31 Large Corporate SME Corporate Micro Corporate
December
2023 Stage1 Stage2 Stage3 Total Stage1 Stage2 Stage3 Total Stage1 Stage2 Stage3 Total

Current 596,395,496 37,672,515 3,225,125 637,293,136 91,235,662 2,751,431 1,057,119 95,044,212 43,778,229 1,756,325 523,645 46,058,199

1 - 30 days 17,133,518 9,753,112 976,127 27,862,757 6,563,917 328,735 443,215 7,335,867 3,622,686 247,598 109,740 3,980,024
31 - 90 - 41,137,642 6,343,632 47,481,274 - 3,975,304 482,331 4,457,635 - 1,273,480 409,018 1,682,498
days
91 - 180 - - - - - - 342,728 342,728 - - 442,432 442,432
days
181 - 360 - - - - - - 451,973 451,973 - - 395,653 395,653
days
> 361 days - - 8,113,598 8,113,598 - - 561,691 561,691 - - 2,057,658 2,057,658

Total 613,529,014 88,563,269 18,658,482 720,750,765 97,799,579 7,055,470 3,339,057 108,194,106 47,400,915 3,277,403 3,938,146 54,616,464

Value of
discounted 1,296,647,142 89,939,636 51,498,858 1,438,085,636 270,915,015 23,973,229 16,821,723 311,709,967 124,852,813 9,822,589 19,172,527 153,847,929
collateral