PL
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2019 Financial
and Social Report

Non-performing and forborne exposures

The below tables disclose information on non-perforrming exposures, foreborne exposures and foreclosed assets, in accordance to the EBA Guidelines on disclosure of non-performing and forborne exposures from 17/12/2018 [EBA/GL/2018/10].

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The Groupo disclosed the following tables in that scope:

  • NPE 1 – Credit quality of forborne exposures
  • NPE 3 – Credit quality of performing and non-performing exposures by past-due days
  • NPE 4 – Performing and non-performing exposures and related provisions
  • NPE 9 – Collateral obtained by taking possession and execution process.

As at 31 December, 2019, the Group presents the gross NPL ratio (non-performing loans in total loans) of 4.36%.

XLS
Gross carrying amount/nominal amount of exposures with forbearance measures Accumulated impairment, accumulated negative changes in fair value due to credit risk and provisions Collateral received and financial guarantees received on forborne exposures
Performing forborne Non-performing forborne On performing forborne exposures On non-performing forborne exposures Of which collateral and financial guarantees received on non-performing exposures with forbearance measures
Of which defaulted Of which impaired
Loans and advances 220 151 1 322 568 1 039 921 1 039 921 2 375 513 692 52 009 23 089
Central banks 0 0 0 0 0 0 0 0
General governments 0 0 0 0 0 0 0 0
Credit institutions 0 0 0 0 0 0 0 0
Other financial corporations 131 1 027 1 027 1 027 1 461 0 0
Non-financial corporations 36 169 211 324 211 324 211 324 263 125 249 1 647 1 647
Households 183 851 1 110 217 827 571 827 571 2 111 387 982 50 362 21 442
Debt Securities 0 0 0 0 0 0 0 0
Loan commitments given 9 065 2 472 2 469 2 469 39 578 1 205 2
Total 229 216 1 325 040 1 042 390 1 042 390 2 414 514 270 53 213 23 091
XLS
Gross carrying amount/nominal amount
Performing exposures Non-performing exposures
Not past due or past due ≤ 30 days Past due > 30 days ≤ 90 days Unlikely to pay that are not past due or are past due ≤ 90 days Past due
> 90 days
≤ 180 days		 Past due
> 180 days
≤ 1 year		 Past due
> 1 year ≤ 2 years		 Past due
> 2 years ≤ 5 years		 Past due
> 5 years ≤ 7 years		 Past due > 7 years Of which defaulted
Loans and advances 68 350 986 67 957 706 368 933 3 278 340 1 548 036 254 645 326 165 359 716 565 400 174 769 49 609 2 766 298
Central banks 0 0 0 0 0 0 0 0 0 0 0 0
General governments 125 876 125 876 0 0 0 0 0 0 0 0 0 0
Credit institutions 0 0 0 0 0 0 0 0 0 0 0 0
Other financial corporations 350 160 349 949 208 7 276 3 066 77 198 797 2 938 188 13 7 276
Non-financial corporations 15 469 044 15 464 362 2 027 611 548 352 565 10 190 25 392 33 435 62 244 94 631 33 091 611 548
Of which SMEs 8 847 094 8 842 523 2 025 312 033 242 197 10 187 19 663 9 026 20 977 9 983 0 312 033
Households 52 405 905 52 017 519 366 698 2 659 517 1 192 405 244 378 300 575 325 484 500 218 79 950 16 506 2 147 475
Debt securities 22 769 916 22 769 916 0 0 0 0 0 0 0 0 0 0
Central banks 999 889 999 889 0 0 0 0 0 0 0 0 0 0
General governments 21 588 915 21 588 915 0 0 0 0 0 0 0 0 0 0
Credit institutions 176 117 176 117 0 0 0 0 0 0 0 0 0 0
Other financial corporations 0 0 0 0 0 0 0 0 0 0 0 0
Non-financial corporations 4 996 4 996 0 0 0 0 0 0 0 0 0 0
Off-balance-sheet exposures 9 578 700 33 465 32 768
Central banks 0 0 0
General governments 114 467 0 0
Credit institutions 115 000 0 0
Other financial corporations 79 544 0 0
Non-financial corporations 5 607 071 28 020 28 020
Households 3 662 618 5 445 4 748
Total 100 699 603 90 727 622 368 933 3 278 340 1 548 036 254 645 326 165 359 716 565 400 174 769 49 609 2 799 066
XLS
Gross carrying amount/nominal amount Accumulated impairment, accumulated negative changes in fair value due to credit risk and provisions Accumulated partial write-off Collateral and financial guarantees received
Performing exposures Non-performing exposures Performing exposures – accumulated impairment and provisions Non-performing exposures – accumulated impairment, accumulated negative changes in fair value due to credit risk and provisions On performing exposures On non-performing exposures
Of which stage 1 Of which stage 2 Of which stage 2 Of which stage 3 Of which stage 1 Of which stage 2 Of which stage 2 Of which stage 3
Loans and advances 68 350 986 64 810 807 3 289 193 3 278 340 46 387 2 766 298 493 199 284 086 211 016 1 533 587 2 671 1 475 742 10 942 1 234 907 58 992
Central banks 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
General governments 125 876 125 876 0 0 0 0 148 148 0 0 0 0 0 0 0
Credit institutions 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other financial corporations 350 160 345 790 4 370 7 276 0 7 276 2 191 1 946 245 4 729 0 4 729 0 143 272 0
Non-financial corporations 15 469 044 14 209 005 1 134 244 611 548 0 611 548 144 345 122 169 22 175 287 409 0 287 409 0 236 837 8 153
Of which SMEs 8 847 094 7 951 144 818 330 312 033 0 312 033 82 619 65 809 16 810 123 676 0 123 676 0 230 603 7 568
Households 52 405 905 50 130 137 2 150 579 2 659 517 46 387 2 147 475 346 515 159 822 188 595 1 241 449 2 671 1 183 603 10 942 854 798 50 839
Debt securities 22 769 916 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Central banks 999 889 0 0 0 0 0 0 0 0 0 0 0 0 0 0
General governments 21 588 915 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Credit institutions 176 117 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other financial corporations 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Non-financial corporations 4 996 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Off-balance-sheet exposures 9 578 700 9 133 384 419 768 33 465 36 32 768 9 578 700 9 133 384 419 768 33 465 36 32 768 0 44 251 41
Central banks 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
General governments 114 467 114 467 0 0 0 0 114 467 114 467 0 0 0 0 0 0 0
Credit institutions 115 000 115 000 0 0 0 0 115 000 115 000 0 0 0 0 0 0 0
Other financial corporations 79 544 79 348 196 0 0 0 79 544 79 348 196 0 0 0 0 8 396 0
Non-financial corporations 5 607 071 5 298 507 308 389 28 020 0 28 020 5 607 071 5 298 507 308 389 28 020 0 28 020 0 30 793 41
Households 3 662 618 3 526 062 111 182 5 445 36 4 748 3 662 618 3 526 062 111 182 5 445 36 4 748 0 5 062 0
Total 100 699 603 73 944 191 3 708 961 3 311 806 46 423 2 799 066 10 071 899 9 417 469 630 783 1 567 052 2 707 1 508 509 10 942 1 279 158 59 033
XLS
Collateral obtained by taking possession
Value at initial recognition Accumulated negative changes
Property, plant and equipment (PP&E)
Other than PP&E
Residential immovable property
Commercial Immovable property
Movable property (auto, shipping, etc.) 43 570 4 189
Equity and debt instruments
Other
Total 43 570 4 189
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