Italy: non-performing loans ratio in the banking system 2008-H1 2017

As of the first semester of 2017, 16.4 percent of loans in the Italian banking system were non-performing loans (NPLs). After increasing steadily from 2008 to 2016, when they peaked at 349 billion euros, non-performing loans decreased in the first semester of 2017, reaching a value of 324 billion euros. Reducing the stock of NPLs and bad loans Together with the stock of NPLs, also the stock of bad debts - defined as debts deemed uncollectible - decreased in the first half of 2017. Moreover, the share of new non-performing loans has been decreasing since 2013 reaching about 1.7 per cent of total loans in 2017. And so did new bad loans. In the meantime, the coverage ratio, which measure a bank’s ability to cover potential losses from non-performing loans, continued to increase. A healthier banking system According to analysis by the European Commission, the Italian banking system has increased its average Common Equity Tier 1 (CET1) ratio from 7.1 percent in 2008 to 12.5 percent in 2017. This means that banks are in a healthier position in case they need to absorb potential losses with their capital buffers.

自2017年第一季度起，意大利银行体系中不良贷款（NPLs）的比例达到16.4%。自2008年至2016年，不良贷款数量持续增长，并在2016年达到峰值，累计金额高达3490亿欧元。然而，在2017年第一季度，不良贷款数量开始下降，降至3240亿欧元。不良贷款存量及其构成的坏账存量亦在2017年上半年有所减少。此外，自2013年起，新增不良贷款的比例持续下降，至2017年约为总贷款的1.7%。与此同时，银行覆盖比率，即衡量银行应对不良贷款潜在损失的能力的指标，也持续上升。根据欧洲委员会的分析，意大利银行系统的平均核心一级资本比率（CET1）从2008年的7.1%上升至2017年的12.5%，这意味着银行在需要利用资本缓冲吸收潜在损失时，处于更加稳健的财务状况。