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State of the banks ahead of the ECB tests

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Bad loans
Bad loans ratio
Coverage ratio
Total equity
H1 2014
(mil. €)
Not provided for (mil. €) Not provided for
as % of equity
H1 2014 pp change pp change Change
(mil. €)
All banks 504,421 221,226 32.50% 11.12% -0.27 0.10 26,393
* Bad loans ratio includes all defaulted and impaired loans where data is available and is not always comparable between banks. They are calculated by Reuters as 'bad loans'/'gross loan book' for BNP Paribas, Deutsche Bank, Credit Agricole, Natixis and Intesa Sanpaolo as published data is unavailable.
Piraeus' bad loans data only captures loans that are over 90 days past due.

Bad loans definitions:
Non performing loans for Erste, Natixis, National Bank of Greece, Sabadell, Santander, ING, BBVA, Bankia, Piraeus.
Impaired assets for Unicredit
Doubtful loans for Societe Generale
Default portfolio for Commerzbank and Bank of Ireland
> 90 days past due and bankrupt loans for KBC
Doubtful, restructured, past due and substandard for Intesa

Source: company reports
Graphic by Monica Ulmanu and Laura Noonan