Internal reports/Credit portfolio quality/Portfolio quality
JDK21 (15.145) · v1.0.0-8430f1aAHAna Horvat
Credit portfolio quality overview
Period 30.06.2025 to 30.06.2026 · All locations · Amounts in EUR m
Data refreshed 18.09.2026 08:48
Gross exposure
366.53EUR m
▲ 4.23%vs 351.67 at 31.03.2026
Performing (PL)
360.28EUR m
▲ 3.30%vs 348.77 at 31.03.2026
Non-performing (NPL)
6.25EUR m
▲ 115.56%vs 2.90 at 31.03.2026
NPL ratio
1.71%
▲vs 0.82% at 31.03.2026
Exposure by risk group
Stacked columns, EUR m
B1B2B3C
0
1
2
3
1.59
0.80
30.06.2025
1.33
30.09.2025
1.66
0.30
31.12.2025
2.28
0.27
31.03.2026
1.29
0.57
30.06.2026
NPL ratio
Same periods, own axis
0.0%
0.5%
1.0%
1.5%
2.0%
30.06.2025
30.09.2025
31.12.2025
31.03.2026
30.06.2026
0.83%
0.54%
0.64%
0.82%
1.71%
Distribution by group
Share of gross exposure, 30.06.2026
A194.91%
A24.14%
B10.35%
B20.16%
B30.05%
C0.04%
Other0.35%
Exposure by risk group
EUR m
| Risk group | 30.06.2025 | 30.09.2025 | 31.12.2025 | 31.03.2026 | 30.06.2026 |
|---|---|---|---|---|---|
| A1 | 325.45 | 332.47 | 347.76 | 331.58 | 347.87 |
| A2 | 14.44 | 18.16 | 18.70 | 16.00 | 15.18 |
| PL total | 339.89 | 350.63 | 366.45 | 347.58 | 363.05 |
| B1 | 1.59 | 1.33 | 1.66 | 2.28 | 1.29 |
| B2 | 0.80 | 0.12 | 0.30 | 0.27 | 0.57 |
| B3 | 0.22 | 0.20 | 0.18 | 0.18 | 0.18 |
| C | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 |
| NPL total | 2.76 | 1.82 | 2.29 | 2.88 | 2.19 |
| Other | 1.77 | 1.80 | 1.77 | 1.20 | 1.29 |
| Total | 344.42 | 354.25 | 370.52 | 351.67 | 366.53 |
| NPL ratio | 0.83% | 0.54% | 0.64% | 0.82% | 1.71% |
Portfolio quality
Exposure by risk group at every reporting date, with the NPL ratio alongside, and every figure drills down to the accounts behind it.


