EBA Long Report - European Banking Authority - Europa
EBA Long Report - European Banking Authority - Europa
EBA Long Report - European Banking Authority - Europa
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a. Residential mortgages.<br />
b. Consumer credit.<br />
c. Loans to SMEs (smalland<br />
medium-sized<br />
enterprises).<br />
d. CRE (commercial real<br />
estate):<br />
e. Loans to larger<br />
corporates.<br />
f. Project finance.<br />
g. Public-sector loans<br />
(including to regions and<br />
municipalities).<br />
h. Household sector in<br />
general.<br />
i. Business sector in<br />
general.<br />
j. All or most sectors<br />
(respond no to previous<br />
options).<br />
Figure 17: Quality of loan portfolios (source: RAQ)<br />
Looking back to 2012 and to early 2013, the general<br />
trend in the quality of your bank's portfolio is...<br />
18<br />
16<br />
14<br />
12<br />
10<br />
8<br />
6<br />
4<br />
2<br />
0<br />
a. Materially<br />
deteriorating.<br />
b. Marginally<br />
deteriorating.<br />
c. Remaining<br />
steady.<br />
d. Marginally<br />
improving.<br />
e. Materially<br />
improving.<br />
Figure 18: Drivers of asset quality trend (source: RAQ)<br />
25<br />
20<br />
15<br />
10<br />
5<br />
0<br />
Drivers of the asset quality trend for the remainder of<br />
2012 - 2013<br />
In line with deteriorating asset quality, a large majority of RAQ respondents have stepped up efforts to<br />
monitor institutions’ asset quality. They have recently introduced or strengthened regular reviews of<br />
different loan portfolios conducted to assess their current quality, and they have introduced or<br />
strengthened reviews of existing policies for arrears management.<br />
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