Consumer Credit Exposure


The table below presents our total consumer credit exposure, consumer loan delinquencies in terms of loans that are 90 days or more past due, and net credit costs, which are the net provisions charged during the period, after recoveries. Loans 90 days or more past due and net credit costs are both expressed as a percentage of total exposure.

 

Total exposure
in € m.

90 days or more past due as a % of total exposure

Net credit costs as a % of total exposure

Jun 30, 2010

Dec 31, 2009

Jun 30, 2010

Dec 31, 2009

Jun 30, 2010

Dec 31, 2009

1

Includes impaired loans amounting to € 2.5 billion as of June 30, 2010 and € 2.3 billion as of December 31, 2009.

Consumer credit exposure Germany

60,412

59,804

1.77

1.73

0.59

0.55

Consumer and small business financing

13,231

13,556

2.87

2.72

1.85

1.69

Mortgage lending

47,181

46,248

1.47

1.44

0.23

0.22

Consumer credit exposure outside Germany

31,352

29,864

3.65

3.37

1.06

1.27

Total consumer credit exposure1

91,764

89,668

2.42

2.28

0.75

0.79

The volume of our consumer credit exposure rose by € 2.1 billion, or 2.3 %, from year end 2009 to June 30, 2010, driven both by the volume growth of our portfolio in Germany (up € 608 million) as well as outside Germany (up € 1.5 billion) with strong growth in Poland (up € 525 million), Italy (up € 490 million) and Spain (up € 202 million). Measures taken on portfolio and country level lead to significant reduction of net credit costs in Spain and India, partially offset by increases in our Consumer Finance Business in Poland. Revised parameter and model assumptions in 2009 led to a one-time release of loan loss allowance of € 60 million in the first quarter 2009 as well as a lower level of provisions for credit losses of € 28 million for the first quarter 2010.

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