Past Due Loans

Loans are considered to be past due if contractually agreed payments of principal and/or interest remain unpaid by the borrower, except if those loans are acquired through consolidation. The latter are considered to be past due if payments of principal and/or interest, which were expected at a certain payment date at the time of the initial consolidation of the loans, are unpaid by the borrower.

Non-impaired past due loans at amortized cost by past due status

in € m.

Dec 31, 2013

Dec 31, 2012

Loans less than 30 days past due

3,216

3,898

Loans 30 or more but less than 60 days past due

856

967

Loans 60 or more but less than 90 days past due

362

394

Loans 90 days or more past due

1,077

716

Total

5,510

5,975

Non-impaired past due loans at amortized cost by industry

in € m.

Dec 31, 2013

Dec 31, 2012

Banks and insurance

32

3

Fund management activities

4

3

Manufacturing

129

473

Wholesale and retail trade

196

187

Households

3,624

3,781

Commercial real estate activities

892

888

Public sector

6

19

Other

629

621

Total

5,510

5,975

Non-impaired past due loans at amortized cost by region

in € m.

Dec 31, 2013

Dec 31, 2012

Germany

2,901

3,238

Western Europe (excluding Germany)

2,074

2,141

Eastern Europe

110

148

North America

345

397

Central and South America

0

4

Asia/Pacific

74

45

Africa

7

2

Other

0

0

Total

5,510

5,975

Our non-impaired past due loans decreased by € 465 million to € 5.5 billion as of December 31, 2013, largely due to a reduction in a number of individually assessed loans in the manufacturing sector in Germany. 58 % of our non-impaired past due loans were less than 30 days past due and 53 % were with counterparties domiciled in Germany, while industry concentration was with households (66 %). The increase of non-impaired loans 90 days or more past due was mainly attributable to loans recorded at Postbank in relation to households as well as commercial real estate activities in Germany and Western Europe (excluding Germany).

Aggregated value of collateral – with the fair values of collateral capped at loan outstandings – held against our non-impaired past due loans

in € m.

Dec 31, 2013

Dec 31, 2012

Financial and other collateral

3,260

3,248

Guarantees received

161

167

Total

3,421

3,415

The minor increase of the collateral held for our non-impaired past due loans of € 6 million shows an opposing development to the overall decrease of our non-impaired past due loans.