Financial Analysis and Currency Deposits
1)
2)
Asset quality- NPE analysis
(€ mn)
Jun-22
Mar-22
Dec-21
Sep-21
Jun-21
Mar-21
Dec-20
A. Gross Loans after Residual Fair value
adjustment on initial recognition
10,902
10,815
10,678
10,683
10,708
12,055
12,031
Residual Fair value adjustment on initial recognition
145
149
178
181
185
226
230
B. Gross Loans
11,047
10,964
10,856
10,864
10,893
12,281
12,261
B1. Loans with no arrears²
9,840
9,681
9,492
9,385
9,268
9,230
9,149
B2. Loans with arrears but not NPES
39
36
21
31
36
39
26
1-30 DPD
25
31
16
23
29
27
21
31-90 DPD
14
5
5
8
7
12
5
B3. NPES
With no arrears
Up to 30 DPD
31-90 DPD
91-180 DPD
181-365 DPD
Over 1 year DPD
1,168
1,247
1,343
1,449
1,589
3,012
3,086
307
312
348
363
413
536
548
6
3
4
5
11
15
16
6
10
10
11
16
35
26
13
11
19
24
31
18
18
28
40
49
41
16
31
81
808
871
913
1,005
1,102
2,377
2,397
NPE ratio (NPEs / Gross Loans)
10.6%
11.4%
12.4%
13.3%
14.6%
24.5%
25,2%
Allowance for expected loan credit losses
(including residual fair value adjustment on initial
677
734
792
849
947
1,869
1,902
recognition¹)
Gross loans coverage
6%
7%
7%
8%
9%
15%
16%
NPES coverage
58%
59%
59%
59%
60%
62%
62%
Comprise (i) loan credit losses for impairment of customer loans and advances, (ii) the residual fair value adjustment on initial recognition of loans acquired from Laiki Bank and on loans classified at FVPL, and (iii) loan credit losses on off-balance sheet exposures disclosed on the
balance sheet within other liabilities
Loans with "non-material" arrears as at 31 Dec 2021 which are calculated based on the new EBA regulation on Definition of Default implemented as of 1 Jan 2021, affecting the calculation of Days-Past-Due'
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