Risk Migration
Rating transitions over the last quarter
Normal → OLEM
76
borrowers downgraded
OLEM → Substandard
63
borrowers downgraded
Substandard → Doubtful
36
borrowers downgraded
Doubtful → Loss
15
borrowers downgraded
Rating Migration Matrix (From × To)
| From \ To | Normal | OLEM | Substandard | Doubtful | Loss | Total |
|---|---|---|---|---|---|---|
| Normal | 688 (90%) | 76 (10%) | 3 (0%) | 0 (0%) | 0 (0%) | 767 |
| OLEM | 42 (7%) | 498 (82%) | 63 (10%) | 2 (0%) | 0 (0%) | 605 |
| Substandard | 0 (0%) | 20 (6%) | 267 (82%) | 36 (11%) | 3 (1%) | 326 |
| Doubtful | 0 (0%) | 0 (0%) | 17 (9%) | 154 (83%) | 15 (8%) | 186 |
| Loss | 0 (0%) | 0 (0%) | 0 (0%) | 10 (9%) | 106 (91%) | 116 |
Monthly Migration Trend
Borrowers Recently Downgraded to High Risk
| Borrower | Industry | Previous | Current | Exposure |
|---|---|---|---|---|
| Sterling Holdings SA | Financial Services | OLEM | Substandard | 26.46M |
| Greenfield Telecom Inc | Manufacturing | OLEM | Substandard | 11.58M |
| Royal Capital SA | Healthcare | OLEM | Substandard | 46.17M |
| Bluewave Holdings PLC | Mining | OLEM | Substandard | 27.24M |
| Imperial Corporation PLC | Telecom | OLEM | Substandard | 1.88M |
| Crescent Holdings Inc | Manufacturing | OLEM | Substandard | 26.72M |
| Continental Capital SA | Agriculture | OLEM | Substandard | 39.08M |
| Meridian Manufacturing Ltd | Manufacturing | OLEM | Substandard | 45.93M |
| Alpha Foods LLC | Agriculture | OLEM | Substandard | 36.13M |
| Pioneer Aviation Group | Retail Trade | OLEM | Substandard | 4.10M |
| Southfield Industries Ltd | Construction | OLEM | Substandard | 11.18M |
| Greenfield Aviation PLC | Financial Services | Normal | Substandard | 11.95M |