Investor Presentaiton
NPE Coverage and Total coverage by segment
Coverage and collateral maintained
Tangible Collateral¹
Allowance for expected loan credit losses
Corporate €206 m n
Global Corporate: €55 mn
SME €89 mn
Retail-Housing €307mn
Retail-Other €114 mn
Total €771 mn
184%
174% 175%
167%
58%
64%
64%
136% 138%
140%
131% 132%
133% 133%
135%
131%
127%
86%
123% 124% 124%
127% 128% 129%
109%
102% 105%
103%
52% 37%
34% 32%
68% 72% 73% 74%
85%
58%
87% 87% 91%
59%
62%
69%
68%
69% 68%
72%
126%
110% 111%
81%
71% 71%
57%
65%
69%
63% 60% 63%
64%
64% 62%
62%
59% 59% 61%
55%
52%
46% 46%
44%
Dec 20 Sep 21 Dec 21 Dec 21
forma 2
Dec 20 Sep 21 Dec 21 Dec 21
Dec 20 Sep 21 Dec 21 Dec 21
pro
pro
forma²
pro
forma²
Dec 20 Sep 21 Dec 21 Dec 21
pro
forma 2
Dec 20 Sep 21 Dec 21 Dec 21
forma 2
Dec 20 Sep 21 Dec 21 Dec 21
pro
pro
forma²
1)
Restricted to Gross IFRS balance
2)
Pro forma for HFS
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