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Contents Management report Corporate governance Consolidated financial statements Financial statements Pillar 3
Credit quality of financial assets
in millions of euros
(Virtually)
no risk
Adequate to
good
Vulnerable
Impaired
Total
On 31 December 2015
Loans and advances to banks
25,249
5,909
50
2
31,210
Loans and advances to customers
Loans to government clients
2,417
807
49
8
3,281
Loans to private clients:
- overdrafts
1,222
18,453
596
910
21,181
- mortgages
39,880
167,049
3,579
1,658
212,166
- leases
652
23,118
1,579
376
25,725
- reverse repurchase transactions and securities borrowing agreements
4,367
15,784
20,151
- corporate loans
7,746
149,844
2,742
7,491
167,823
- other
3,655
3,786
45
23
7,509
Total
85,188
384,750
8,640
10,468
489,046
On 31 December 2014
Loans and advances to banks
29,564
16,043
175
180
45,962
Loans and advances to customers
Loans to government clients
1,269
111
3
71
2,120
Loans to private clients:
- overdrafts
1,544
20,185
589
1,193
23,511
- mortgages
39,411
173,203
4,327
1,289
218,230
- leases
1,344
20,424
1,845
224
23,837
- reverse repurchase transactions and securities borrowing agreements
9,848
8,447
18,295
- corporate loans
12,966
144,424
3,386
7,284
168,060
- other
4,257
2,045
7
130
6,439
Total
100,203
385,548
10,332
10,371
506,454
The table below gives an age analysis of expired (overdue) but
unimpaired financial assets.
Age analysis
in millions of euros
30 days
30 to 60 days
61 to 90 days
90 days
Total
On 31 December 2015
Loans and advances to banks
44
6
50
Loans and advances to customers
Loans to government clients
41
5
1
2
49
Loans to private clients:
- overdrafts
516
38
15
21
596
- mortgages
2,766
407
187
219
3,579
- leases
1,163
245
84
87
1,579
- reverse repurchase transactions and securities borrowing agreements
- corporate loans
1,828
213
138
563
2,742
- other
37
8
45
Total
6,395
922
425
898
8,640
On 31 December 2014
Loans and advances to banks
139
35
1
175
Loans and advances to customers
Loans to government clients
1
1
1
3
Loans to private clients:
- overdrafts
300
61
28
200
589
- mortgages
2,955
549
282
541
4,327
- leases
1,171
333
116
225
1,845
- reverse repurchase transactions and securities borrowing agreements
- corporate loans
1,883
334
178
991
3,386
- other
6
1
7
Total
6,454
1,279
640
1,959
10,332
198 Rabobank Annual Report 2015
