Q3 2020 Business Update amid Covid-19
Business performance: non-performing loans and NPL ratio
NPL ratio stable at 2.4%
30/09/19
-
30/06/20
30/09/20
Group
4,290
4,043
2.7%
•
3,983
2.4%
2.4%
470
1.4%
AT/EBO e
453
1.3%
NPL volume continues to decline and stood at EUR 4.0bn in
Q3 20. NPL volume development driven by lower level of
gross new inflows due to government support measures in
the light of Covid-19
426
1.2%
1,380
2.9%
AT/SB
1,280
2.6%
•
1,250
2.5%
403
2.6%
AT/OA
328
2.0%
315
2.0%
491
1.7%
CZ
532
1.8%
542
1.9%
427
RO
400
394
4.9%
4.5%
4.4%
NPL sales again at low levels at EUR 12.3m in Q3 20
(Q2 20: EUR 10.6m)
Retail: EUR 6.8m (Q2 20: EUR 2.3m)
Corporates: EUR 5.4m (Q4 19: EUR 8.3m)
Q3 20 NPL sales mainly in the Czech Republic
460
3.3%
SK
406
2.7%
393
2.6%
HU
PG
121
99
2.6%
2.1%
127
2.6%
503
7.3%
HR
508
6.9%
499
6.7%
RS
212
200
22
1.5%
19
1.2%
20
1.2%
Other 17
18
FFF
378
13
in EUR m
Not meaningful
ERSTEŚ
Group
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