Financial and ESG Performance Review
2022 Financial Statements
Customer loans
€mn
Dec-21
Mar-22
Jun-22
Sep-22
Dec-22
€mn
YTD ▲
Consolidated
%
Customer Loans (net)
Customer Loans (gross)
Corporate
Residential Mortgage
Consumer finance and other
23 651
23 979
24 304
24 585
24 551
900
3.8%
24 899
25 215
25 541
25 823
25 617
719
2.9%
13 710
14 034
14 268
14 524
14 244
534
3.9%
9 782
9 766
9 833
9918
9 978
195
2.0%
1 406
1 416
1 440
1 381
1 395
- 11
-0.8%
Non-Performing Loans (NPL)*
1 749
1 746
1 695
1 605
1 376
- 357
-20.4%
Impairment
NPL Ratio*
**
1 248
1 236
1 237
1 238
1 066
- 182
-14.5%
5.7%
5.7%
5.4%
5.0%
4.3%
- 1.4p.p.
NPL coverage*
71.4%
70.8%
73.0%
77.2%
76.7%
+ 5.3p.p.
* Includes Deposits and Loans and advances to Banks and Customer Loans
** Includes impairment for Customer Loans and to Banks
novobanco
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