Stats › Valorisation › Bad loan rules
A European loan turns bad at ninety days and one hundred euro, and must be fully provided for within ten years
| Exposure type | Année 3 | Année 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|
| Unsecured | 0.35 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Secured by immovable property | 0 | 0.25 | 0.35 | 0.55 | 0.70 | 0.80 | 0.85 | 1.00 |
| Secured by other credit protection | 0 | 0.25 | 0.35 | 0.55 | 0.80 | 1.00 | 1.00 | 1.00 |
| Covered by an export credit agency | 0 | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |
The prudential backstop factors in Article 47c of the capital requirements regulation, as inserted by Regulation (EU) 2019/630. A factor of 1.00 means the exposure must be fully covered by own funds deductions. The zeros shown for early years are implied by the absence of a stated factor rather than read as a stated zero, and the application dates of the calendar could not be verified.
Two numbers decide whether a loan is non-performing: ninety days past due, and an amount over 100 euro for retail or 500 euro for others that is also over one per cent of the exposure. From there a statutory calendar forces provisions to 100 per cent.
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