Investor Presentaiton
Provisions kept at a cautious level
Corporates
(in Єm)
Provisions
330
2020
2021
2020
⚫2021
208
94
13
Coverage rate
Corporates
2022
2022
HT 2023
HT 2023
114
65
18
Sector-
based
Leveraged
transactions
GBL1
Individual Statistical Statistical
provisions provisions. provisions.
S1
S2
Statistical
provisions
S3
Retail customers
(in Єm)
Home
loans
S1/S2
156
1. GBL: Government backed loans
230
110
243
103
19%
20%
11%
4%
0%
2%
Sector-
based
Leveraged
transactions
Statistical
GBL1 Individual Statistical Statistical
provisions provisions. provisions. provisions
S1
S2
S3
Retail customers
2020
2020
2021
2021
2022
2022
HT 2023
• HT2023
34%
64%
0,2%
2%
2,6%
Home
Home loans
S3
Consumer
loans S1/S2
Consumer
loans S3
Bank
Home loans
loans
overdraft
S3
Consumer
loans S1/S2
Consumer
loans S3
Bank
overdraft
S1/S2
INVESTOR PRESENTATION - SEPTEMBER 2023
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