Third Quarter 2022 Results
A Solid Financial Structure
Doubtful loans/gross outstandings
Doubtful loans (a) / Loans (b)
30-Sep-22
1.7%
30-Sep-21
2.0%
(a) Impaired loans (stage 3) to customers and credit institutions, not netted of guarantees, including on-balance sheet and off-balance sheet and debt securities measured at amortized costs or at fair value
through shareholders' equity; (b) Gross loans outstanding to customers and credit institutions, on-balance sheet and off-balance sheet and including debt securities measured at amortized costs or at fair value
through shareholders' equity (excluding insurance)
Coverage ratio
€bn
Allowance for loan losses (a)
Doubtful loans (b)
Stage 3 coverage ratio
30-Sep-22
30-Sep-21
14.7
20.1
73.1%
17.0
23.1
73.6%
(a) Stage 3 provisions; (b) Impaired loans (stage 3) to customers and credit institutions, on-balance sheet and off-balance sheet, netted of guarantees received, including debt securities measured at amortized
costs or at fair value through shareholders' equity (excluding insurance)
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