array0 = {{72, 32, 64}, {18, 8, 16}, {63, 28, 56}};
array1 = SparseArray[Band[{# - 1 + Length@array0[[#]], #}, Automatic, {-1, 1}] ->
array0[[#]] & /@ {1, 2, 3}, {5, 5}];
array1 // MatrixForm
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