Impaired Loans


The following tables present a breakdown of our impaired loans, the components of our allowance for loan losses and the respective coverage ratios by region based on the country of domicile of our counterparties for the dates specified.

Dec 31, 2010

Impaired Loans

Loan loss allowance

Impaired loan coverage ratio in %

in € m.

Individually assessed

Collectively assessed

Total

Individually assessed

Collectively assessed

Total

Germany

996

1,010

2,006

559

453

1,012

50

Western Europe (excluding Germany)

1,153

1,441

2,594

640

997

1,637

63

Eastern Europe

22

245

267

6

186

192

72

North America

1,146

4

1,150

339

4

343

30

Central and South America

43

43

27

27

63

Asia/Pacific

169

13

182

68

13

81

45

Africa

23

23

4

4

17

Other

Total

3,552

2,713

6,265

1,643

1,653

3,296

53

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Dec 31, 2009

Impaired Loans

Loan loss allowance

Impaired loan coverage ratio in %

in € m.

Individually assessed

Collectively assessed

Total

Individually assessed

Collectively assessed

Total

Germany

758

907

1,665

498

454

952

57

Western Europe (excluding Germany)

2,457

1,245

3,702

1,035

741

1,776

48

Eastern Europe

30

121

151

17

94

111

74

North America

1,392

3

1,395

397

3

400

29

Central and South America

84

1

85

21

1

22

26

Asia/Pacific

136

21

157

51

21

72

46

Africa

27

27

7

7

26

Other

19

19

3

3

16

Total

4,903

2,298

7,201

2,029

1,314

3,343

46

 

The following tables present a breakdown of our impaired loans, the components of our allowance for loan losses and the respective coverage ratios by industry sector of our counterparties for the dates specified.

Dec 31, 2010

Impaired Loans

Loan loss allowance

Impaired loan coverage ratio in %

in € m.

Individually assessed

Collectively assessed

Total

Individually assessed

Collectively assessed

Total

1

For December 31, 2009 the category Other contained primarily the impaired junior debt portion of one Leveraged Finance exposure which was reclassified to loans and receivables in accordance with IAS 39.

Banks and insurance

81

81

82

82

100

Fund management activities

841

841

298

97

395

41

Manufacturing

603

139

742

332

125

457

62

Wholesale and retail trade

199

113

312

147

111

258

83

Households

163

1,810

1,973

105

965

1,070

54

Commercial real estate activities

740

229

969

259

83

342

35

Public sector

Other

925

422

1,347

420

272

692

56

Total

3,552

2,713

6,265

1,643

1,653

3,296

53

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Dec 31, 2009

Impaired Loans

Loan loss allowance

Impaired loan coverage ratio in %

in € m.

Individually assessed

Collectively assessed

Total

Individually assessed

Collectively assessed

Total

Banks and insurance

101

101

82

0

82

81

Fund management activities

848

848

281

281

33

Manufacturing

582

116

698

307

116

423

61

Wholesale and retail trade

255

91

346

117

71

188

54

Households

103

1,556

1,659

49

750

799

48

Commercial real estate activities

710

250

960

314

92

406

42

Public sector

45

45

6

6

13

Other1

2,259

285

2,544

873

285

1,158

46

Total

4,903

2,298

7,201

2,029

1,314

3,343

46

The following table presents the aggregated value of collateral we held against impaired loans, with fair values capped at transactional outstandings.

in € m.

Dec 31, 2010

Dec 31, 2009

Financial and other collateral

1,502

1,757

Guarantees received

77

57

Total capped fair value of collateral held for impaired loans

1,579

1,814

Considering the collateral held against impaired loans in addition to the allowance for loan losses, the impaired loan coverage was 78 % as of December 31, 2010 and 72 % as of December 31, 2009. The increase was principally driven by a reduction of loans reclassified in accordance with IAS 39. These loans required a lower amount of loan loss allowance due to fair value charges taken before their reclassification and hence lead to a lower average coverage ratio.

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