Investor Presentaiton
A Solid Financial Structure
Doubtful loans vs. gross outstandings
Doubtful loans (a) / Loans (b)
31-Dec-21
2.0%
31-Dec-20
2.1%
(a) Impaired loans (stage 3) to customers and credit institutions, not netted of guarantees, including on-balance sheet and off-balance sheet and debt securities measured at amortized costs or at fair
value through shareholders' equity; (b) Gross loans outstanding to customers and credit institutions, on-balance sheet and off-balance sheet and including debt securities measured at amortized costs or
at fair value through shareholders' equity (excluding insurance)
Coverage ratio
€bn
Allowance for loan losses (a)
Doubtful loans (b)
Stage 3 coverage ratio
31-Dec-21
31-Dec-20
16.1
16.7
21.8
73.6%
23.3
71.5%
(a) Stage 3 provisions; (b) Impaired loans (stage 3) to customers and credit institutions, on-balance sheet and off-balance sheet, netted of guarantees received, including debt securities measured at
amortized costs or at fair value through shareholders' equity (excluding insurance)
Liquidity Coverage Ratio and Immediately available liquidity reserve
31-Dec-21
31-Dec-20
Liquidity Coverage Ratio
Immediately available liquidity reserve (€bn) (a)
143%
452
(a) Liquid market assets or eligible to central banks (counterbalancing capacity) taking into account prudential standards, notably US standards, minus intra-day payment systems needs
154%
432
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