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

 

Sep 30, 2014

Dec 31, 2013

Sep 30, 2014

Dec 31, 2013

Sep 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 € 4.4 billion as of September 30, 2014 and € 4.2 billion as of December 31, 2013.

Consumer credit exposure Germany

147,634

145,929

1.22

1.23

0.24

0.23

Consumer and small business financing

20,742

20,778

4.16

3.81

1.15

1.04

Mortgage lending

126,892

125,151

0.74

0.81

0.09

0.10

Consumer credit exposure outside Germany

38,515

38,616

5.40

5.38

0.68

0.76

Consumer and small business financing

11,745

12,307

11.26

11.34

1.66

1.75

Mortgage lending

26,770

26,309

2.83

2.60

0.26

0.29

Total consumer credit exposure2

186,149

184,545

2.08

2.10

0.33

0.34

The volume of our consumer credit exposure increased from year-end 2013 to September 30, 2014 by € 1.6 billion, or 0.9 %, mainly driven by mortgage lending in Germany which increased by € 1.7 billion. Outside Germany, the consumer credit exposure in India increased by € 227 million and in Poland by € 196 million. The consumer credit exposure in Italy decreased by € 266 million partly driven by a sale of non-performing loans. The volume in Portugal decreased by € 121 million and in Spain by € 102 million.

The 90 days or more past due ratio in the consumer and small business financing in Germany increased, driven by increased overdue volumes in the Postbank portfolio, compensated by improved German mortgage lending. The 90 days or more past due ratio in consumer and small business financing outside Germany benefited from the before mentioned sale of non-performing loans in Italy.

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 2013. The decrease of this ratio outside Germany compared to last year is positively impacted from the aforementioned non-performing loan sale in Italy in the third quarter 2014.