{ "markdown": "CECL Reserves on Loans Receivable\n\n\nCMTG\nCLAROS\nMORTGAGE\nTRUST\n\n\n- Risk rated 4 loans have general CECL reserves of 7.7% of UPB and are secured by office, multifamily, and hospitality properties.\n- Remaining risk rated 2 and 3 loans have a general CECL reserve of 0.9% of UPB.\n- **96% of total CECL reserves on UPB relates to watchlist loans.**\n\n\n
\n\nThe figure presents two donut charts side-by-side comparing CECL reserves. The left chart is titled 'Total CECL Reserves (on UPB of Risk Rated 2 \u2013 5 Loans)' and shows a center value of '$398.9 million', '$2.76 per share', and '11.4% of UPB'. It has segments labeled 87% (dark blue), 9% (grey), and 4% (light blue). The right chart is titled 'General CECL Reserves (on UPB of Risk Rated 2 - 4 Loans)' and shows a center value of '$50.1 million', '$0.35 per share', and '2.3% of UPB'. It has segments labeled 69% (grey) and 31% (implied light blue segment, though only the light blue section is visible, and the legend indicates Risk Rated 2-3 Loans). A legend at the bottom identifies the colors: dark blue as 'Risk Rated 5 Loans', grey as 'Risk Rated 4 Loans', and light blue as 'Risk Rated 2 - 3 Loans'.
CategoryTotal CECL Reserves (Risk Rated 2-5)General CECL Reserves (Risk Rated 2-4)
Risk Rated 5 Loans (Dark Blue)87%N/A
Risk Rated 4 Loans (Grey)9%69%
Risk Rated 2-3 Loans (Light Blue)4%31%
Total Value$398.9 million$50.1 million
Per Share$2.76$0.35
% of UPB11.4%2.3%
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