ch banks' exposure to Stage 2 and Stage 3 loans, coverage ratios, ECLs, etc. '(2) Sensit: This is a 'plug & play' sheet, in which we stress test our CoR, Earnings, ROE, Tier 1, CAR and valuation multiples via playing with cells (i) T27 (amount of Stage 2 transferred to Stage 3), and (ii) T46 (nominal loan grow