ESG Strategy and Digital Transformation
12
1)
2)
Strong performance of moratorium portfolio continues > 12 months after deferral expiry
4%
13%
Resumed payments as per
original schedule
Restructured
In arrears
€4.60
bn
83%
96% no arrears
Private Individuals
2%
8%
€1.71
bn
90%
92% no arrears
Businesses
2%
19%
€2.89
bn
79%
98% no arrears
96% of performing loans¹ under expired payment deferrals² present no
arrears, of which c.€0.60 bn have been restructured; >75% of
restructurings took place in 1H2021
• Just 4% (€196 mn) in arrears of which €166 mn in early arrears (<30
dpd)
• Strong track record in dealing with restructurings
•
Targeted restructuring solutions to alleviate pandemic-related short-term
cash flow burden, following rigorous assessment of repayment ability
Private Individuals:
•
92% of performing loans¹ under expired payment deferrals² present no
arrears of which c.€35 mn have been restructured
• €142 mn (8%) in arrears of which €138 mn in early arrears (<30 dpd)
Businesses:
•
98% of performing loans¹ under expired payment deferrals² present no
arrears of which c.€564 mn have been restructured; mostly in the tourism
sector
Just 2% (c.€54 mn) in arrears
As at 31 December 2021
With instalment due by 8 February 2022
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