Investor Presentaiton
Credit portfolio before and after IFRS 9 model
change
1 January 2018
IFRS 9 (1 January 2018 restated)
IFRS 9 (31 December 2018)
EUR '000
Gross AR Reserves Net AR
%
Gross AR Reserves
Net AR
%
Gross AR Reserves
Net AR
%
Not overdue
158,368
(4,695)
153,673
3.0%
158,368
(12,810)
145,558
8.1%
205,616 (13,898)
191,718
6.8
1-90 days due
72,398
(17,649)
54,749
24.4%
72,398
(20,720)
51,678
28.6%
92,961
(21,127) 71,835
22.7
91-180 days due
21,474
(12,768)
8,706
59.5%
21,474
(12,734)
8,740
59.3%
23,234
(13,252)
9,982
57.0
>181 days due
84,004
(52,988)
31,016
63.1%
84,004
(53,485)
30,519
63.7%
145,998 (98,996)
47,002
67.8
Total
336,243
(88,100)
248,143
26.2%
336,243
(99,749)
236,495
29.3%
467,811 (147,273) 320,538
31.5
ferratum
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