“Pro-active risk management and increasing diversification will contribute to low costs of risk and earnings stability, providing resilience in a challenging environment.”
Ulrik Lackschewitz, CRO
Credit Risk
NPE Volume
in € mn / NPE ratio
2023
.3%
0
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)
2023
2022
1 (AAAA) – 1 (AA+)
0.2
0.6
1 (AA) – 1 (A-)
0.2
0.5
2-5
0.3
0.3
6-9
0.5
0.4
10-12
0.3
0.4
13-15
0.9
0.3
16-18
0.3
0.2
1) Total EAD of 35.2bn € (2022: 34.4bn €) also includes „Other exposures“ not shown here of 115mn € (2022: 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