Investor Presentaiton
BANKS' CREDIT QUALITY REMAINS GOOD, HOUSEHOLD AND CORPORATE
INDEBTEDNESS IS LOW
Prudent lending practices and low leverage of households and corporate sector supports asset quality
8%
6%
4%
2%
0%
2016
2017
Total Loan portfolio quality
2018
Total debt*-to-GDP
Lithuania
Latvia
Slovenia
54.2%
Slovakia
Estonia
Greece
Italy
Germany
Austria
Malta
Spain
Portugal
Finland
Ireland
1.4
Belgium
Non-financial corporations
Households
France
2019
2020
2021
2022
2023
Netherlands
Cyprus
Luxembourg
0%
50%
100% 150%
200% 250% 300% 350%
Share of loan loss provisions in outstanding loans
-Share of loans over 90 days past due in outstanding loans
28
Source: Latvijas Banka's calculations
*Total consolidated debt vis-a-vis rest of the economy in 2022 Q4
Source: ECB SDWView entire presentation