Page 24 - EBA 2013.2869 Risk Assesment Report final proof4

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E U R O P E A N B A N K I N G A U T H O R I T Y
22
0 % 10 % 20 % 30 % 40 % 50 %
Looking back to the last 12 months and
on to the next 6, the general trend in the
quality of your bank’s credit portfolio is:
a. Materially deteriorating
b. Marginally deteriorating
c. Remaining steady
d. Marginally improving
e. Materially improving
Jun 2013 — Agree
or somewhat agree
Dec 2012 — Agree
or somewhat agree
Jun 2012 — Agree
or somewhat agree
10 %
20 %
30 %
40 %
50 %
a. Materially deteriorating
b. Marginally
deteriorating
e. Materially
improving
c. Remaining steady
d. Marginally
improving
The length of the bars shows the percentage of respondents who agreed or somewhat agreed with the statement on the y-axis.
Figure 13: Quality of loan portfolios (
source:
RAQ)
Figure 14: Drivers of asset quality trend (
source:
RAQ)
0 %
20 %
40 %
60 %
80 %
100 %
In reference to the trend for the next 12 months, you see it being generated by the
following segment(s) of your bank’s credit portfolio (when applicable):
a. Residential mortgages
b. Consumer credit
c. Loans to SMEs (small and medium-sized enterprises)
d. CRE (commercial real estate)
‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡‡e.‡Loans to larger corporates
f.‡Project finance
g. Public-sector loans (including to regions and municipalities)
h. Household sector in general
i. Business sector in general
j. All or most sectors (respond no to previous options)
Jun 2013 — Agree
or somewhat agree
Dec 2012 — Agree
or somewhat agree
Jun 2012 — Agree
or somewhat agree
The length of the bars shows the percentage of respondents who agreed or somewhat agreed with the statement on the y-axis.