“Pro-active risk management and increasing diversification will contribute to low costs of risk and earnings stability, providing resilience in a more volatile environment.”
Ulrik Lackschewitz, CRO
Credit Risk
NPE Volume
in € mn / NPE ratio
H1 2023
1.%
0
YE 2022
1.%
0
1) Risk Costs (Loan loss provisions / avg. loans to customers) I 2 & 3 - see more details) Other incl. FX, Direct write-downs, non-substantial modifications, payments received on loans and advances previously written down
Rating distribution total bank1
distribution in % (excl. Non-rated exposures)
H1 2023
YE 2022
1 (AAAA) – 1 (AA+)
0.8
0.6
1 (AA) – 1 (A-)
0.6
0.5
2-5
0.6
0.3
6-9
0.9
0.4
10-12
0.6
0.4
13-15
0.5
0.3
Default
0.5
0.2
1) Total EAD of 33.5bn € (2021: 34.4bn €) also includes „Other exposures“ not shown here of 195mn € (2021: 119mn €) for which there is no external rating available, such as receivables from third parties of the Bank‘s consolidated equity holdings and G/L accounts