Consumer Credit Exposure

In our consumer credit exposure we monitor consumer loan delinquencies in terms of loans that are 90 days or more past due and net credit costs, which are the annualized net provisions charged after recoveries.

Consumer Credit Exposure

 

Total exposure
in € m.

90 days or more past due
as a % of total exposure1

Net credit costs
as a % of total exposure

 

Jun 30, 2014

Dec 31, 2013

Jun 30, 2014

Dec 31, 2013

Jun 30, 2014

Dec 31, 2013

1

Retrospective as per December 31, 2013, the 90 days or more past due volume of Postbank Consumer Credit Exposure Germany was restated by € 626 million (or 0.43 % of total Consumer Credit Exposure in Germany) erroneously not included in prior disclosure.

2

Includes impaired loans amounting to € 4.6 billion as of June 30, 2014 and € 4.2 billion as of December 31, 2013.

Consumer credit exposure Germany

146,921

145,929

1.23

1.23

0.25

0.23

Consumer and small business financing

20,818

20,778

3.96

3.81

1.16

1.04

Mortgage lending

126,103

125,151

0.78

0.81

0.10

0.10

Consumer credit exposure outside Germany

38,756

38,616

5.76

5.38

0.73

0.76

Consumer and small business financing

12,147

12,307

12.12

11.34

1.73

1.75

Mortgage lending

26,609

26,309

2.85

2.60

0.28

0.29

Total consumer credit exposure2

185,677

184,545

2.17

2.10

0.35

0.34

The volume of our consumer credit exposure increased from year-end 2013 to June 30, 2014 by € 1.1 billion, or 0.6 %, mainly driven by mortgage lending in Germany which increased by € 952 million. Outside Germany, the consumer credit exposure in India increased by € 127 million and in Poland by € 122 million.

The increase in the 90 days or more past due ratio in the consumer and small business financing in Germany was driven by increased overdue volumes of Postbank portfolio. The increase in the ratio of consumer and small business financing outside Germany is mainly driven by the macroeconomic development in Southern Europe.

The slight increase of net credit costs as a percentage of total exposure in Germany compared to last year is driven by a higher positive effect from non-performing loan sales in the first half year 2013 compared to the first half year 2014.