Inhoudsopgave Bestuursverslag Corporate governance Jaarrekening Rabobank Groep Jaarrekening Rabobank
EDTF28 Table 25: Past due, non performing, impaired loans and allowances for loan impairments
Pillar 3
Past duenon performingimpaired loans and allowances for loan impairments
Past due loans
Non-performing
loans
of which:
impaired loans
Collateral received on
non-performing loans
Allowance
Allowance as of non-
performing loans
Domestic Retail
5,554
9,166
8,579
5,979
3,963
43.2%
Wholesale, Rural Retail
709
5,644
5,356
2,212
2,962
52.5%
Leasing
1,744
681
681
111
344
50.6%
Real Estate
634
4,012
3,467
2,583
1,175
29.3%
Other
34
n/a
Total
8,640
19,503
18,084
10,886
8,478
43.5%
Table 26: Past due and gross impaired loans by geographical area
Past due and gross impaired loans by geographical area
Impaired
Past due loans
Netherlands
6,526
76
13,169
73
Other European countries
855
10
2,889
16
North America
813
9
800
4
Latin America
101
1
385
2
Asia
88
1
410
2
Australia
257
3
431
3
Total
8,640
100
18,084
100
Table 27: Loan impairment allowance
Loan impairment allowance
Allowance at
1 January 2015
FX
Write-down
Additional
value
adjustments
Reversal
of value
adjustments
Other
Allowance at
31 December 2015
Domestic retail banking
4,836
0
(1,440)
1,496
(1,118)
189
3,963
Wholesale banking and international retail banking
2,881
14
(478)
1,051
(495)
(11)
2,962
Leasing
403
(12)
(167)
236
(116)
0
344
Real estate
1,270
0
(218)
282
(191)
32
1,175
Other
48
0
(4)
6
(16)
0
34
Total
9,438
3
(2,307)
3,070
(1,936)
210
8,478
In 2015 loan impairment charges were at a lower level
compared to 2014, especially for the Dutch portfolio. The is
mainly caused by the recovery of the economy which leads to
a limited number of new defaults, recovery of existing defaults
and adequate allowances.
Table 28: Overview of loan impairment charges (LIC)
of clients
Overview of loan impairment charges (LIC) of clients
UCofclients
(amounts)
UCof clients
(basis points)
10-year average
LIC of clients
(basis points)
Domestic retail banking
343
12
23
Wholesale banking and
international retail banking
526
53
59
Leasing
85
25
66
Real estate
90
56
89
Other
(11)
n/a
n/a
Total loan impairment charges
1,033
24
36
The 10-years average loan impairment charges of clients (basis
points) is up to and including 2014.
345 6. Credit Risk
