Investor Presentaiton
2Q2023 provisioning per Stage
Stage 1 provisioning (in € mln)¹)
Stage 2 provisioning (in € mln) 1,2)
Stage 3 provisioning (in € mln) 2)
42
407
52
48
37
318
21
98
2
86
23
33
239
230
16
-50
-39
35
-78
177
197
31
6
17
-117
-48
43
-194
11
1
6
-45
161
124
8
-31
-15
167
141
155
116
-14
-190
70
2Q2022 3Q2022 4Q2022 1Q2023 2Q2023
2Q2022 3Q2022 4Q2022 1Q2023 2Q2023
Retail Banking
Wholesale Banking
Retail Banking
Wholesale Banking
Retail Banking
2Q2022 3Q2022 4Q2022 1Q2023 2Q2023
Wholesale Banking
Main drivers
Stage 1 mainly driven by overlays and
an update of the macro-economic
forecast
Main drivers
Main drivers
Release on our Russia-related portfolio,
mainly reflecting lower Russia-related
exposure
■ Collective Stage 3 provisions, primarily
in Retail Banking
Limited additions to individual files in
Wholesale Banking
1) Stage 1 includes off-balance sheet provisioning; Stage 2 includes modifications
2) Wholesale Banking provisioning includes Corporate Line
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