- Inhoudsopgave Voorwoord Bestuursverslag Corporate governance Consolidated Financial Statements Company Financial Statements Pillar 3 Past duenon-performingimpaired loans and loan impairment allowances Past due loans Non-performing of which: loans impaired loans Collateral received on non-performing loans Allowance Allowance as of non- performing loans Domestic Retail 3,382 8,185 7,004 5,239 3,246 40 Wholesale, Rural Retail 3,490 6,421 6,119 3,405 3,089 48 Leasing 1,845 575 575 507 318 55 Real Estate 238 3,350 2,950 1,903 874 26 Other 15 Total 8,954 18,530 16,648 11,054 7,542 41 Past due and gross impaired loans by geographical area Past due Impaired loans Netherlands 3,937 44 11,364 68 Other European countries 959 11 2,551 15 North America 3,750 42 1,031 6 Latin America 98 1 611 4 Asia 44 679 4 Australia 167 2 412 3 Total 8,954 100 16,648 100 Loan impairment allowance Allowance at 1 January 2016 Write-down Additional value adjustments Reversal of value adjustments Other Allowance at 31 December 2016 Domestic retail banking 3,963 (932) 1,055 (962) 123 3,246 Wholesale banking and international retail banking 2,962 (203) 647 (347) 30 3,089 Leasing 344 (165) 253 (108) (6) 318 Real estate 1,175 (240) 131 (204) 13 874 Other 33 (7) 18 (14) (15) 15 Total 8,478 (1,548) 2,103 (1,636) 145 7,542 EDTF28 Table 24: Past due, non performing, impaired loans and loan impairment allowances. In the CRR definition all Rabobank loan impairment charges are labelled specific. On December 2016, the value of non-performing loans was EUR 18,530 (19,503).This represents a coverage of 40.7% (43.5%) if the allowance is related to the non-performing loans. On 31 December 2016, the non-performing loans as a percentage of the private loan portfolio stood at 4.4% (4.6%). Table 25: Past due and gross impaired loans by geographical area. Table 26: Loan impairment allowance. Recoveries after write-downs, recorded directly to the income statement, amounted to EUR 157 million in 2016. The loan impairment charges are formed by the net addition (EUR 2,103 million minus EUR 1,636 million) minus recoveries after write-offs (EUR 157 million), and amounted to EUR 310 million. In 2016 loan impairment charges were at a lower level compared to 2015, especially for the Dutch portfolio. This is mainly a result of by the recovery of the economy which leads to a limited number of new defaults, as well as recovery of existing defaults and adequate allowances for existing impaired clients. 335 6. Credit Risk

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Jaarverslagen Rabobank | 2016 | | pagina 336