Problem Loans and IFRS Impaired Loans

 (unaudited)

With the acquisition of Sal. Oppenheim Group and parts of ABN AMRO’s commercial banking activities in the Netherlands the Group also acquired certain loans for which a specific allowance had been established beforehand by Sal. Oppenheim or ABN AMRO. These loans were taken on the Group’s balance sheet at their fair values as determined by their expected cash flows which reflected the credit quality of these loans at time of acquisition. As long as the Group’s cash flow expectations regarding these loans have not deteriorated since acquisition they are not considered problem loans.

in € m.

Jun 30, 2010

Dec 31, 2009

Individually assessed

Collectively assessed

Total

Individually assessed

Collectively assessed

Total

Nonaccrual loans

5,601

2,334

7,935

5,937

2,186

8,123

Loans 90 days or more past due and still accruing

72

274

346

55

266

321

Troubled debt restructurings

951

167

1,118

252

217

469

Total problem loans

6,624

2,775

9,399

6,244

2,669

8,913

thereof: IFRS impaired loans

4,954

2,456

7,410

4,903

2,298

7,201

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