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, 2017 |
Dec 31, 2016 |
Loans less than 30 days past due |
2,747 |
2,116 |
Loans 30 or more but less than 60 days past due |
482 |
494 |
Loans 60 or more but less than 90 days past due |
250 |
268 |
Loans 90 days or more past due |
776 |
484 |
Total |
4,255 |
3,363 |
Non-impaired past due loans at amortized cost by industry |
||
in € m. |
Dec 31, 2017 |
Dec 31, 2016 |
Financial intermediation |
267 |
95 |
Fund management activities |
40 |
28 |
Manufacturing |
179 |
278 |
Wholesale and retail trade |
233 |
172 |
Households |
2,481 |
2,076 |
Commercial real estate activities |
363 |
190 |
Public sector |
10 |
12 |
Other |
682 |
512 |
Total |
4,255 |
3,363 |
Non-impaired past due loans at amortized cost by region |
||
in € m. |
Dec 31, 2017 |
Dec 31, 2016 |
Germany |
1,810 |
1,299 |
Western Europe (excluding Germany) |
1,758 |
1,531 |
Eastern Europe |
158 |
155 |
North America |
343 |
233 |
Central and South America |
6 |
18 |
Asia/Pacific |
161 |
113 |
Africa |
19 |
14 |
Other |
0 |
0 |
Total |
4,255 |
3,363 |
Our non-impaired past due loans increased by € 892 million to € 4.3 billion as of December 31, 2017, largely caused by loans, that were overdue by a few of days. Businesswise, the main driver was PCB.
Aggregated value of collateral – with the fair values of collateral capped at loan outstanding – held against our non-impaired past due loans |
||
in € m. |
Dec 31, 2017 |
Dec 31, 2016 |
Financial and other collateral |
2,364 |
1,775 |
Guarantees received |
148 |
148 |
Total |
2,512 |
1,923 |
Our aggregated value of collateral held against our non-impaired past due loans as of December 31, 2017 increased in line with the increase of non-impaired past due loans compared to prior year.