95
2014 ANNUAL REPORT
21 Risk management
(continued)
21.2 Credit risk
(continued)
21.2.3 Credit quality per category of financial assets
(continued)
Advances - Commercial and Corporate
(continued)
The table below illustrates the credit quality of commercial and corporate advances as at September 30:
Superior
Desirable
Acceptable
Sub-standard
Total
2014
429,159
2,043,598
8,243,645
456,945
11,173,347
2013
644,953
2,146,958
7,733,773
485,051
11,010,735
The following is an aging of facilities classed as sub-standard:
Less than
31 to 60
61 to 90
More than
Impaired
Total
30 days
days
days
91 days
2014
110,583
4,636
8,137
4,019
329,570
456,945
2013
15,294
15,607
13,414
32,604
408,132
485,051
Advances - Retail loans and Mortgages
These retail loans and mortgages are individually insignificant and are secured by the related assets for which these loans were granted
to fund. The following is an aging analysis of these facilities:
Current
Less than
31 to 60
61 to 90 More than
Impaired
Total
30 days
days
days
91 days
2014
12,975,199
2,009,913
99,157
145,197
376,065
316,529
15,922,060
2013
11,354,277
2,073,468
206,153
140,300
204,433
246,151
14,224,782
