Investor Presentaiton
BANKS' CREDIT QUALITY REMAINS GOOD, HOUSEHOLD AND CORPORATE
INDEBTEDNESS IS LOW
Prudent lending practices and low leverage of households and corporate sector supports asset quality
8%
6%
4%
2%
0%
2016
2017
Total Loan portfolio quality
2018
2019
2020
2021
2022
2023
Total debt*-to-GDP
Latvia
Lithuania
151.8%
Slovenia
Croatia
Slovakia
Estonia
Greece
Italy
Germany
Malta
Austria
Spain
Portugal
Ireland
Finland
Belgium
Non-financial corporations
Households
1.0
France
Netherlands
Cyprus
Luxembourg
0%
50% 100% 150%
200% 250% 300% 350%
*Total consolidated debt vis-a-vis rest of the economy in 2023 Q1
Share of loan loss provisions in outstanding loans
-Share of loans over 90 days past due in outstanding loans
28
Source: Latvijas Banka's calculations
Source: ECB SDWView entire presentation