Loans by division

In the course of recent years we have diversified our loan book to balance corporate and retail loans.

 

CORPORATE LOANS

  • In wholesale banking our group is focused on large corporates. International operations now account for half of our total loan book.
  • The loan book is diversified by sector of activity, and reflects a gradual reduction in loan concentration.
  • We do not have operations in FICC business (fixed-income, currencies and commodities), which is currently undergoing global restructuring, nor in problem areas such as small Italian businesses, the shipping market and property development.

RETAIL LOANS

  • 50% of large corporate loans related to foreign customers.
  • Some 56% of our consumer credit loans consist of personal loans.
  • The loan book is granular, with average expiry at 24 months.                                                          

 

LOANS BY DIVISION
(September 2019, in billion euros)

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Last update: 24/10/2019