Investor Presentaiton
(€ bn)
SBL
Gross loans
3.1
Detailed overview of Alpha Bank's asset quality by portfolio - Greece
Wholesale
20.4
Mortgages
9.6
Consumer
3.9
Total
37.0
(-) Accumulated Provisions
(1.4)
(0.7)
(0.8)
(1.4)
(4.4)
Net loans
19.1
2.3
8.7
2.5
32.6
NPLs
1.2
1.0
1.5
1.6
5.2
NPL ratio¹
5.7%
31.2%
15.3%
41.3%
14.1%
NPES
NPE ratio¹
NPL collateral
2.6
1.4
2.9
2.0
8.8
12.9%
44.5%
29.9%
50.1%
23.8%
0.6
0.4
1.1
0.1
2.2
NPE collateral
1.6
0.6
2.3
0.2
4.7
171%
131%
126%
54%
112%
115%
109%
98%
96%
102%
□ Collateral
83%
43%
Coverage ratio
39%
74%
9%
60%
11%
44%
53%
117%
79%
Cash
76%
87%
52%
54%
57%
72%
84%
49%
29%
NPL
NPE
NPL
NPE
NPL
NPE
NPL
NPE
NPL
NPE
NPLs
(+) Forborne NPLs < 90 dpds
1.2
1.0
1.5
1.6
5.2
1.2
0.4
1.3
0.3
3.2
(+) Unlikely to pay
NPES
Forborne NPLs >90dpd
0.3
0.0
0.1
0.0
0.4
2.6
1.4
2.9
2.0
8.8
0.5
0.4
0.8
1.4
3.0
Forborne NPLs <90dpd
Performing forborne
1.2
0.4
1.3
0.3
3.2
0.4
0.7
2.4
0.4
3.9
Total forborne
2.1
1.5
4.5
2.1
10.1
1| Total ratio takes into account the senior notes.
40
ALPHA
SERVICES AND HOLDINGSView entire presentation