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.