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  "notes": "The slide provides granular data on gross carrying amounts and ECL coverage in basis points for various loan categories as of 31.12.21.",
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      "text": "1 Includes Loans and advances to customers of USD 398,611 million and Loans to financial advisors of USD 2,539 million which are presented on the balance sheet line Other assets measured at amortized cost. 2 Excludes Forward starting reverse repurchase and securities borrowing agreements.",
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      "text": "Lombard loans are generally secured with marketable securities; mortgage loans to private clients are controlled by conservative eligibility criteria; the amount of unsecured retail lending is insignificant.",
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      "text": "Lending in Switzerland includes government-backed COVID-19 loans; contractual maturities are generally short; write-offs of ECL allowances against gross loan balances reduce coverage ratios.",
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      "text": "Coverage ratios are calculated for the core loan portfolio by taking ECL allowances and provisions divided by the gross carrying amount of the exposures. Core loan exposure is defined as the sum of Loans and advances to customers and Loans to financial advisors.",
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      "text": "Note 9 Financial assets at amortized cost and other positions in scope of expected credit loss measurement (continued)",
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