ESG Strategy and Digital Transformation
Rescheduled Loans
Rescheduled loans by customer type (€ bn)
2.73
Rescheduled loans-Asset Quality
31 Dec 2021
Stage 1
0.97
2.09
Stage 2
1.60
0.81
1.57
Stage 3
0.44
0.46
0.43
POCI
0.53
0.36
0.19
0.17
0.17
0.17
0.34
0.41
FVPL
0.46
0.46
0.15
0.45
Total
0.36
0.32
0.34
Dec 19
Dec 20
Sep 21
Dec 21
Retail housing
Retail other
SMEs
Global Corporate
Rescheduled loans % gross loans by customer type
Corporate
Global
Corporate
28%
SMEs
Dec 19
Dec 20
Sep 21
24%
23%
22%
Corporate
Fair value of collateral and credit enhancements
Loans and advances to customers
Cash
Securities
Letters of credit / guarantee
Retail
Housing
Dec 21
Retail
Consumer
Property
Other
Surplus collateral
Net collateral
€ '000
726,595
564,946
66,249
212,589
1,570,379
31 Dec 2021
(€ mn)
476
587
144
15,639
302
(8,050)
9,098
99
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