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, 2014

Dec 31, 20131

1

Amounts for December 31, 2013, were adjusted up for past due loans, neither renegotiated nor impaired by € 303 million, erroneously not included in prior disclosure.

Loans less than 30 days past due

3,223

3,218

Loans 30 or more but less than 60 days past due

534

857

Loans 60 or more but less than 90 days past due

363

363

Loans 90 days or more past due

898

1,376

Total

5,018

5,813

Non-impaired past due loans at amortized cost by industry

in € m.

Dec 31, 2014

Dec 31, 20131

1

Amounts for December 31, 2013, were adjusted up for past due loans, neither renegotiated nor impaired by € 303 million, erroneously not included in prior disclosure.

Banks and insurance

3

32

Fund management activities

95

4

Manufacturing

141

131

Wholesale and retail trade

159

201

Households

3,388

3,906

Commercial real estate activities

801

895

Public sector

3

6

Other

429

640

Total

5,018

5,813

Non-impaired past due loans at amortized cost by region

in € m.

Dec 31, 2014

Dec 31, 20131

1

Amounts for December 31, 2013, were adjusted up for past due loans, neither renegotiated nor impaired by € 303 million,erroneously not included in prior disclosure.

Germany

2,410

3,201

Western Europe (excluding Germany)

1,694

2,077

Eastern Europe

143

110

North America

678

345

Central and South America

29

0

Asia/Pacific

63

74

Africa

1

7

Other

0

0

Total

5,018

5,813

Our non-impaired past due loans decreased by € 795 million to € 5.0 billion as of December 31, 2014, mainly due to a decrease of loans 90 days or more past due within Postbank of € 343 million, which were partly transferred to collectively assessed impaired loans.

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, 2014

Dec 31, 2013

Financial and other collateral

2,854

3,260

Guarantees received

226

161

Total

3,080

3,421

Our aggregated value of collateral held against our non-impaired past due loans as of December 31, 2014 decreased in line with the reduction of non-impaired past due loans compared to prior year.


Key figures comparison

Compare key figures of the past years. more