Data on losses stemming from exposures collateralised by immovable property

In accordance with Article 101(3) of the Regulation (EU) No 575/2013 Bank of Slovenia publishes annually on an aggregated basis the data on the exposure values and losses stemming from exposures collateralised by immovable property located in the territory of the Republic of Slovenia.

Based on the COREP templates – C 15.00: Exposures and losses from lending collateralised by immovable property (CR IP Losses) reported by credit institutions in accordance with Commission Implementing Regulation (EU) No 680/2014 the following data are disclosed:

  • the exposure value of all outstanding exposures for which a credit institution has recognised residential/commercial property as collateral limited to the part treated as fully secured by residential/commercial property in accordance with Article 124(1) of Regulation (EU) No 575/2013,
  • losses stemming from exposures for which a credit institution has recognised residential/commercial property as collateral, up to 60% of the market value of residential property and up to 50% of the market value of the commercial property (i.e. exposures fully and completely secured by mortgages on residential/commercial property in accordance with Article 125/126 of Regulation (EU) No 575/2013),
  • overall losses stemming from exposures for which a credit institution has recognised residential/commercial property as collateral, up to the part of the exposure treated as fully secured by residential/commercial property in accordance with Article 124(1) of Regulation (EU) No 575/2013.

Data for 2016 and 2017 for all banks and savings banks established in the Republic of Slovenia, including branches of Member States (data at the highest level of consolidation in the Republic of Slovenia):

 
2017
Exposures and losses from lending collateralised by immovable property (in mio EUR) Reference to COREP template*

data

Use of
residential
property as collateral
Sum of exposures secured by residential property CR IP Losses (row 010, col 050) 2,476.7
Sum of losses stemming from lending up to the reference percentages CR IP Losses (row 010, col 010) 6.2
Of which: immovable property valued with mortgage lending value CR IP Losses (row 010, col 020) 0.0
Sum of overall losses CR IP Losses (row 010, col 030) 8.3
Of which: immovable property valued with mortgage lending value CR IP Losses (row 010, col 040) 0.0

Use of
commercial
immovable
property as collateral    

Sum of exposures secured by immovable commercial property CR IP Losses (row 020, col 050) 1,809.9
Sum of losses stemming from lending up to the reference percentages CR IP Losses (row 020, col 010) 5.7
Of which: immovable property valued with mortgage lending value CR IP Losses (row 020, col 020) 0.0
Sum of overall losses CR IP Losses (row 020, col 030) 11.7
Of which: immovable property valued with mortgage lending value CR IP Losses (row 020, col 040) 0.0
2016
Exposures and losses from lending collateralised by immovable property (in mio EUR) Reference to COREP template*

data

Use of
residential
property as collateral
Sum of exposures secured by residential property CR IP Losses (row 010, col 050) 2,455.4
Sum of losses stemming from lending up to the reference percentages CR IP Losses (row 010, col 010) 4.1
Of which: immovable property valued with mortgage lending value CR IP Losses (row 010, col 020) 0.0
Sum of overall losses CR IP Losses (row 010, col 030) 6.4
Of which: immovable property valued with mortgage lending value CR IP Losses (row 010, col 040) 0.0

Use of
commercial
immovable
property as collateral    

Sum of exposures secured by immovable commercial property CR IP Losses (row 020, col 050) 1,526.0
Sum of losses stemming from lending up to the reference percentages CR IP Losses (row 020, col 010) 4.4
Of which: immovable property valued with mortgage lending value CR IP Losses (row 020, col 020) 0.0
Sum of overall losses CR IP Losses (row 020, col 030) 6.9
Of which: immovable property valued with mortgage lending value CR IP Losses (row 020, col 040) 0.0

* Reference data from COREP templates (CR IP Losses) pursuant to the Commission implementing Regulation (EU) No 680/2014

Table in xls format