ESG Strategy and Digital Transformation
30 Sep 2021
31 Dec 2021
€ bn
€ bn
0.06
0.06
Portfolio exposure to businesses most impacted by COVID-19
Tourism: €1.15 bn
Hotels & Catering
Food services
Trade: €0.94 bn
% of
portfolio
30 Sep 2021
31 Dec 2021
Trade
€ bn
€ bn
% of
portfolio
5%
Supermarkets, pharmacies and
0.26
0.27
29%
other essential retail businesses
Accommodation
1.09
1.09
95%
All other
0.67
0.67
71%
Total
1.15
1.15
Total
0.93
0.94
Unutilised Liquidity¹
0.40
0.39
Unutilised Liquidity1
0.89
0.97
- of which deposits
0.32
0.31
27%
- of which deposits
0.56
0.63
67%
Tourism season extended until October 2021; Overall arrivals in 2H2021 at
c.70% of 2019 levels; Tourism expected to fully recover by 2023-2024
•
98% of tourism portfolio secured by property
•
94% of tourism portfolio with LTV <80%
•
c. €0.88 bn performing loans² under expired payment deferrals; nearly all
with zero arrears³ (of which c. €300 mn have been restructured; >90% of
restructurings took place in 1H2021)
723
1)
2)
3)
Unutilised overdraft amounts and deposits
As at 31 December 2021
With an instalment due by 8 February 2022
•
c. €0.30 bn performing loans² under expired payment deferrals; 98% of
performing loans² under expired payment deferrals³, presented no
arrears (of which €18 mn have been restructured)
10View entire presentation