Investor Presentaiton
☐ 2.7%
Group
2.4%
88.6%
92.7%
2.4%
90.9%
1.6%
63.4%
AT/EBO e
1.5%
63.6%
1.5%
62.0%
2.8%
2.4%
70.2%
73.7%
2.4%
70.2%
2.8%
78.1%
AT/OA
2.5%
85.6%
2.4%
78.2%
2.2%
115.1%
Operating trends: asset quality - NPL ratio and coverage
NPL ratio at historic low, coverage ratio at comfortable level
AT/SB
31/12/20
30/09/21
31/12/21
NPL ratio improves to 2.4% and NPL coverage
increases to 90.9% on decreasing yoy NPL stock
and accelerating loan growth
• Stage 2 ratio improved to 16.7%, with strong
coverage of 4.0%
• Post-moratoria experiences continue to be
promising
No significant increase in hard defaults observed yet
•
CZ
2.1%
113.4%
2.1%
111.3%
4.5%
122.5%
RO
4.0%
130.8%
3.9%
138.2%
2.4%
107.4%
SK
1.9%
117.0%
Risk provisions by IFRS9 stages
1.8%
115.9%
CLA
Coverage
3.0%
111.4%
HU
3.0%
114.0%
in EUR million
Dec 20
Mar 21
Jun 21
Sep 21
Dec 21
Dec 21
Dec 21
3.7%
95.4%
Stage 1
78.4%
78.2%
78.9%
79.2%
80.4%
412
0.3%
6.7%
89.7%
HR
5.9%
95.3%
Stage 2
18.4%
18.7%
18.1% 17.9%
16.7%
1,238
4.0%
5.5%
102.5%
Stage 3
2.5%
2.5%
2.4%
2.3%
2.3%
2,198
52.8%
1.5%
168.2%
POCI
0.2%
0.2%
0.2%
0.2%
0.2%
88
26.9%
RS
2.1%
125.5%
2.1%
124.4%
Subject to IFRS9
99.6%
99.6%
99.5%
99.5%
99.6%
3,936
2.1%
Not subject to IFRS 9
0.4%
0.4%
0.5%
0.5%
0.4%
0
0.0%
Other Not meaningful
Not meaningful
Gross customer loans
170,020
171,811
176,094
179,848
184,177
3,936
2.1%
ERSTES
Group
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