Prospectus - Notowania

(millions of €)
The following table provides more detail of loans to banks, including provisions for
each category in the period 2006-2009. Impaired loans to banks have always had a
ratio of less than 0.1% of total loans. In 2008, there was a slight growth in the notional
value of credit in litigation, the effect of which was mitigated by specific provisions.
In 2009, despite the total amount of impaired loans remaining contained, its ratio of
total net loans increased from 0.1% to 0.45%. This increase was due to nonperforming
loans (from €66 million to €147 million) and restructured positions (from
€11 million as at December 31, 2008 to €251 million as at September 30, 2009).
Loans to banks – credit quality
Situation as at 09.30.2009
NON-
PERFORMING
LOANS
DOUBTF
UL
LOANS
- 200 -
RESTRUCTURED
LOANS
PAST-
DUE
LOANS
TOTAL
IMPAIRED
LOANS
PERFORMING
LOANS
TOTAL
LOANS
Notional value 501 40 285 - 827 96,878 97,705
as a percentage of total loans 0.51% 0.04% 0.29% 0.85% 99.15%
Write-downs 355 5 35 - 395 22 417
as a percentage of notional value 70.9% 12.5% 12.3% 47.6% 0.023%
Carrying value 147 35 251 - 432 96,856 97,288
as a percentage of total loans
Situation as at 12.31.2008
0.15% 0.04% 0.26% 0.45% 99.56%
Notional value 283 49 128 - 460 80.756 81,216
as a percentage of total loans 0.3% 0.1% 0.2% 0.6% 99.4%
Write-downs 217 40 117 - 374 15 389
as a percentage of notional value 76.7% 81.6% 91.4% 81.3% 0.0%
Carrying value 66 9 11 - 86 80,741 66
as a percentage of total loans
Situation as at 12.31.2007
0.1% 0.0% 0.0% 0.1% 99.9%
Notional value 127 26 - - 153 99,997 100,105
as a percentage of total loans 0.2% 0.0% 0.0% 0.2% 99,8%
Write-downs 115 5 - - 120 18 138
as a percentage of notional value 90.6% 19.2% 78.4% 0.0%
Carrying value 12 21 - - 33 99,979 100,012
as a percentage of total loans
Situation as at 12.31.2006
0.0% 0.0% 0.0% 0.0% 100.0%
Notional value 145 27 47 - 219 83,660 83,879
as a percentage of total loans 0.2% 0.0% 0.1% 0.3% 99.7%
Write-downs 103 3 46 - 152 12 164
as a percentage of notional value 71.0% 11.1% 97.9% 69.4% 0.0%
Carrying value 42 24 1 - 67 83,648 83,715
as a percentage of total loans 0.1% 0.0% 0.0% 0.1% 99.9%
(millions of €) % Change
Loans to customers:
breakdown by type 09.30.2009 12.31.2008 12.31.2007 12.31.2006 2009/2008 2008/2007 2007/2006
1. Current accounts 58,163 63,794 64,108 58,773 -8.8% -0.5% 9.1%
2. Lending repurchase
agreements 4,896 9,717 4,552 3,183 -49.6% 113.5% 43.0%
3. Mortgages 145,548 160,196 201,838 165,094 -9.1% -20.6% 22.3%
4. Credit cards, personal
loans and salaryguaranteed
loans 18,532 20,298 20,905 13,912 -8.7% -2.9% 50.3%
5. Financial leases 20,182 22,036 22,890 14,358 -8.4% -3.7% 59.4%
6. Factoring 3,983 4,344 3,961 2,092 -8.3% 9.7% 89.3%
7. Other transactions 197,191 225,607 208,688 149,209 -12.6% 8.1% 39.9%
8. Debt securities 16,458 14,990 2,372 592 9.8% n.s. 300.7%
8.1 Structured securities 35 400 2 -91.5% n.s. n.a.
8.2 Other debt securities 16,423 14,590 2,370 592 12.6% n.s. n.s.
9. Impaired assets* 26,314 19,481 15,755 14,237 35.1% 23.6% 10.7%
10. Assets sold but not 74,190 72,017 29,994 19,870 3.0% 140.1% 51.0%