1H22 Financial Performance
1H22 Financial Statements
Customer loans
€mn
Jun-21
Dec-21
Jun-22
YTD ▲
Consolidated
€mn
%
Customer Loans (net)
Customer Loans (gross)
Corporate
Residential Mortgage
Consumer finance and other
Non-Performing Loans (NPL)*
Impairment
NPL Ratio*
**
NPL coverage*
Cost of Risk (bps)
Cost of Risk (bps) - Covid Adjusted
23 470
23 651
24 304
653
2.8%
24 945
24 899
25 541
642
2.6%
13 689
13 710
14 268
558
4.1%
9 889
9 782
9 833
51
0.5%
1 367
1 406
1 440
33
2.4%
2 209
1 749
1 695
- 54
-3.1%
1 474
1 248
1 237
- 11
-0.9%
7.3%
5.7%
5.4%
- 0.3p.p.
78.4%
71.4%
73.0%
1.6p.p.
68
60
15
-45
-74.8%
40
31
* Includes Deposits and Loans and advances to Banks and Customer Loans
** Includes impairment for Customer Loans and to Banks
novobanco
54
5.4View entire presentation