## Figure 1.17. Underprovisioning in the Weak Tail of Banks

## Source details

**Canonical URL:** [Figure 1.17. Underprovisioning in the Weak Tail of Banks](https://www.imf.org/-/media/files/publications/gfsr/2017/april/chapter-1/figure1-17d.csv)

## Other formats

- [Markdown version](/-/media/files/publications/gfsr/2017/april/chapter-1/figure1-17d.csv.md)
- [Structured JSON version](/-/media/files/publications/gfsr/2017/april/chapter-1/figure1-17d.csv.json)

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### Dataset overview
- Title: "1. Provision Expense-to-Gross Loan Ratio and Problem Loan Provision Coverage Ratio" and associated panels 2–4 as presented in the source.
- Worksheet name: csv
- Row count: 24
- Column count: 41
- Panels present in the dataset:
  - Panel 1: "Provision Expense-to-Gross Loan Ratio and Problem Loan Provision Coverage Ratio" (Percent)
  - Panel 2: "Percentage of Assets by the Ratio of Nonperforming and Problem Loans over Tier 1 Capital and Loan Loss Provisions, 2016" (Percent)
  - Panel 3: "Number of Years to Absorb Additional Provisions through Earnings, by Share of Assets"
  - Panel 4: "Percentage of Assets with Tier 1 Ratio Below 10 Percent" (Percent)

### Panel 1 — Provision expense and coverage ratios (selected series and dates)
- Provision expense: China
  - 12/31/2010: 0.49
  - 12/31/2011: 0.56
  - 12/31/2012: 0.53
  - 12/31/2013: 0.55
  - 12/31/2014: 0.82
  - 12/31/2015: 1.12
- Provision expense: EM excluding China
  - 12/31/2010: 1.49
  - 12/31/2011: 1.32
  - 12/31/2012: 1.52
  - 12/31/2013: 1.34
  - 12/31/2014: 1.5
  - 12/31/2015: 1.82
- Provision coverage ratio: total EM
  - 12/31/2010: 87.09
  - 12/31/2011: 98.99
  - 12/31/2012: 94.82
  - 12/31/2013: 96.71
  - 12/31/2014: 77.89
  - 12/31/2015: 69.73
  - 12/31/2016: 67.93

### Panel 2 — "Percentage of Assets by the Ratio of Nonperforming and Problem Loans over Tier 1 Capital and Loan Loss Provisions, 2016"
- Category: "Bad loans are >90% of available buffers"
  - Russia: 36.93
  - India: 39.77
  - South Africa: 0
  - Colombia: 0
  - Brazil: 0.43
  - Poland: 5.2
  - Turkey: 1.82
  - Indonesia: 5.21
  - Mexico: 3.99
  - Thailand: 0
  - China: 0
  - United Arab Emirates: 0
  - Saudi Arabia: 0
  - Malaysia: 0
  - EM excluding China: 14.23
- Category: "Bad loans are 70%-90% of available buffers"
  - Russia: 7.72
  - India: 29.39
  - South Africa: 21.69
  - Colombia: 55.35
  - Brazil: 19.71
  - Poland: 3.43
  - Turkey: 0
  - Indonesia: 5.39
  - Mexico: 0
  - Thailand: 1.85
  - China: 0
  - United Arab Emirates: 0
  - Saudi Arabia: 0
  - Malaysia: 0
  - EM excluding China: 13.82
- Category: "Bad loans are 50%-70% of available buffers"
  - Russia: 51.56
  - India: 0.98
  - South Africa: 39.43
  - Colombia: 0
  - Brazil: 24.03
  - Poland: 10.53
  - Turkey: 10.19
  - Indonesia: 0.28
  - Mexico: 0
  - Thailand: 1.45
  - China: 1.24
  - United Arab Emirates: 0
  - Saudi Arabia: 0
  - Malaysia: 0
  - EM excluding China: 12.93

### Panel 3 — "Number of Years to Absorb Additional Provisions through Earnings, by Share of Assets"
- Based on Net Income: categorical labels present in dataset
  - ">3yr earnings"
  - "1-3yrs earnings"
  - "<1yr earnings"
- Based on Preprovision Profits: categorical labels present in dataset
  - ">3yr earnings"
  - "1-3yrs earnings"
  - "<1yr earnings"
- Country-specific entries shown in sample rows:
  - Colombia: 100 (Based on Net Income)
  - Colombia: 100 (Based on Preprovision Profits)
  - Saudi Arabia: 0 (Based on Net Income)
  - Saudi Arabia: 0 (Based on Preprovision Profits)
  - India: 42.62 (Based on Net Income)
  - India: 77.21 (Based on Preprovision Profits)
  - South Africa: 0 (Based on Net Income)
  - South Africa: 74.03 (Based on Preprovision Profits)

### Panel 4 — "Percentage of Assets with Tier 1 Ratio Below 10 Percent"
- Two columns in sample rows: "Current" and "After raising provisions"
  - Colombia: Current 100; After raising provisions 100
  - India: Current 42.62; After raising provisions 77.21
  - South Africa: Current 0; After raising provisions 74.03

*Source: figure1-17d (dataset) — worksheet "csv"*

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_Source: https://www.imf.org/-/media/files/publications/gfsr/2017/april/chapter-1/figure1-17d.csv_