ESG Strategy and Digital Transformation
New lending of €1.8 bn in FY2021, approaching 2019 levels
New lending up 33% yoy
€ mn
New lending remained strong in 4Q2021
+33%
2,045
356
1,792
150
1,351
71
912
798
596
189
211
144
366
363
475
200
177
180
FY2019
FY2020
FY2021
1
Shipping & International loans Corporate
SME
Retail Housing
Retail other
39%
Leading
Market share
in loans
1)
Includes syndicated loans
487
471
451
37
32
427
38
407
374
31
49
7
288
206
238
88
233
215
9
162
174
188
18
117
63
42
45
62
99
33
39
24
79
25
117
102
124
98
109
140
69
67
27
40
43
57
48
42
33
1Q2020 2Q2020 3Q2020 4Q2020 1Q2021 2Q2021 3Q2021 4Q2021
•
New lending for FY2021 reached c.90% of FY2019 levels
•
•
Demand for housing loans supported by government interest rate subsidy
scheme (expired on 31 Dec 2021); c.€355 mn new housing loans approved
under the scheme
Corporate new lending at €798 mn for FY2021, up 34% yoy as economic
activity continues to improve
Meticulous assessment of repayment capability and strict origination
standards
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