Investor Presentaiton
Continuous progress across all segments
Focus shifts to Retail
€ mn
771
Corporate
225
€261 mn
Terminated Corporate
36
SME
49
€89 mn
Terminated SMEs
40
Retail
167
Terminated Retail
254
Dec 21
pro forma for HFS
Corporate
Dec 20
Inflows
Exits
Dec 21
HFS
(20)
Pro forma
for HFS
SME
Dec 20
Inflows
Exits
Dec 21
113
HFS
(24)
Pro forma
89
for HFS
Retail
€421 mn
1)
Through organic NPE reduction and NPE sale that was completed in June 2021 (Helix 2)
281
261
(527)
541
3
(263)
619
21
Dec 2021
Pro forma
NPE ratio
NPE coverage
NPE total coverage
5.6%
83%
121%
Dec 2021
NPE ratio
NPE coverage
NPE total coverage
Pro forma
7.5%
64%
138%
Dec 2021
Pro forma
Dec 20
Inflows
Exits
Dec 21
Pro forma
for HFS
1,926
35
NPE ratio
9.5%
(1,012)
949
NPE coverage
HFS
(528)
➤ Retail Housing
44%
421
➤ Retail Other
52%
NPE total coverage
132%
59View entire presentation