Step 5 Calculate the expected credit losses.

ECL PROSENTASE Not Overdue 30 - 60 60 - 90 90 - 120 > 120

PD 9,06% 24,79% 34,96% 53,37% 72,53%

Forward looking rate -61,06% -61,06% -61,06% -61,06% -61,06%
PD after forward looking 3,53% 9,66% 13,61% 20,78% 28,24%

2020 Not Overdue 30 - 60 60 - 90 90 - 120 > 120 Total

31-Des-20 3.099.208.815 2.981.243.926 1.765.056.834 1.498.953.438 3.491.792.671 12.836.255.683
PD 9,06% 24,79% 34,96% 53,37% 72,53%
Forward looking rate -61,06% -61,06% -61,06% -61,06% -61,06%
PD after forward looking 3,53% 9,66% 13,61% 20,78% 28,24%

Allowance for impairment 109.345.570 287.840.505 240.280.063 311.531.991 986.220.187 - 1.935.218.315

2021 Not Overdue 30 - 60 60 - 90 90 - 120 > 120 Total

31-Des-21 9.468.114.567 6.096.199.230 2.720.920.391 2.628.278.083 5.874.388.121 26.787.900.391
PD 9,06% 24,79% 34,96% 53,37% 72,53%
Forward looking rate -61,06% -61,06% -61,06% -61,06% -61,06%
PD after forward looking 3,53% 9,66% 13,61% 20,78% 28,24%

Allowance for impairment 334.051.833 588.590.906 370.403.326 546.242.920 1.659.159.262 - 3.498.448.247

2022 Not Overdue 30 - 60 60 - 90 90 - 120 > 120 Total

31-Des-22 9.613.627.778 9.226.241.414 4.409.260.374 2.365.834.319 8.650.945.705 34.265.909.589
PD 9,06% 24,79% 34,96% 53,37% 72,53%
Forward looking rate -61,06% -61,06% -61,06% -61,06% -61,06%
PD after forward looking 3,53% 9,66% 13,61% 20,78% 28,24%

Allowance for impairment 339.185.797 890.797.953 600.239.799 491.698.445 2.443.368.806 4.765.290.800