Investor Presentaiton
Detailed overview of Alpha Bank's asset quality by portfolio - Group
SBL
Consumer
Total
(€ bn)
Wholesale
Gross loans
23.3
3.1
Mortgages
12.7
4.4
43.5
(-) Accumulated Provisions
(2.1)
(0.8)
(1.7)
(1.5)
(6.1)
Net loans
21.2
2.4
11.0
2.9
37.5
NPLs
1.9
1.0
2.6
1.8
7.3
NPL ratio¹
8.2%
31.8%
20.4%
40.2%
16.7%
NPES
NPE ratio¹
NPL collateral
3.7
1.4
4.1
2.2
11.4
15.8%
44.9%
32.5%
48.8%
26.1%
1.0
0.4
1.5
0.2
3.1
NPE collateral
2.1
0.6
2.8
0.3
5.8
161%
115%
115%
124%
126%
109%
52%
Collateral
98%
98%
105%
85%
42%
38%
58%
1%
Coverage ratio
58%
44%
68%
13%
51%
109%
□ Cash
76%
87%
57%
54%
65%
72%
84%
54%
41%
NPL
NPE
NPL
NPE
NPL
NPE
NPL
NPE
NPL
NPE
NPLs
1.9
1.0
2.6
1.8
7.3
(+) Forborne NPLs < 90 dpds
1.4
0.4
1.4
0.4
3.6
(+) Unlikely to pay
NPES
Forborne NPLs >90dpd
0.3
0.0
0.1
0.0
0.5
3.7
1.4
4.1
2.2
11.4
0.8
0.4
1.5
1.4
4.1
Forborne NPLs <90dpd
1.4
0.4
1.4
0.4
3.6
Performing forborne
Total forborne
0.6
0.7
2.5
0.5
4.3
2.8
1.5
5.4
2.2
11.9
1| Total ratio takes into account the senior notes.
41
ALPHA
SERVICES AND HOLDINGSView entire presentation