Investor Presentaiton
LA BANQUE POSTALE HOME LOAN STRATEGY
LA BANQUE POSTALE HOME LOAN BUSINESS
Low risk profile customers
Owner occupiers (88.7%)
Average term at inception: 19.7 years
Fixed rate loans (100%)
52.1% of loans at 31 December 2020 were guaranteed by Crédit Logement
BREAKDOWN BY GUARANTEE (2020 ORIGINATIONS)
Mortgage 53.0%
Other guarantee
Others institutions
3.0%
2.1%
41.9%
Crédit Logement
LOAN PURPOSE (2020 ORIGINATIONS)
77.6%
Existing home
Transfer
2.0%
5.7%
New build
15.3%
1.5%
1.4%
Other non-working
1.0%
0.5%
0.0%
LA
BANQUE
POSTALE
Investor presentation / December 2021
NON-PERFORMING HOME LOANS
1.3%
1.1%
0.9% French market
0.5%
La Banque Postale
Crédit Logement
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 H1
2021
Source: Banque de France, ACPR, La Banque Postale, Crédit Logement
(1) LBP excluding BPE and Sofiap
69View entire presentation