| Figure 4: TVB’s ADC Loan Concentration to Total Capital Compared to Peers | ||
|---|---|---|
| Period Ended Date | TVB | Peers |
| Dec-04 | 297% | 81% |
| Dec-05 | 413% | 104% |
| Dec-06 | 390% | 136% |
| Dec-07 | 379% | 147% |
| Dec-08 | 491% | 139% |
| Jun-09 | 1022% | 116% |
Source: UBPRs for TVB.
Note: The sharp increase in the ADC loan concentration ratio in 2009 resulted from a decline in TVB’s
capital as a result of loan loss provisions, rather than growth in ADC lending.