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Non-performing exposure tracker — Q4 2022


The NPE tracker aims to monitor key developments in European credit and NPE markets during the current downturn and beyond.

The EY Non-performing exposure (NPE) tracker is a quarterly publication that aims to monitor key developments in European credit and NPE markets.

How are banks safeguarding asset quality during times of higher inflation and interest rates?

This edition of the tracker focuses on four key findings:

  1. Navigating macroeconomic challenges: weak growth and an uncertain outlook could affect NPLs
  2. Continued increase in Stage 2 classified loans across Europe
  3. European banks’ asset quality sentiment remains stable, based on the latest market communications – but with some exceptions and variations
  4. NPL stocks continue to fall, but market trends indicate a future increase in NPL volumes - Are we moving into a buyers’ market?

The tracker draws on data from European regulators and supervisors, quantitative data from other credible sources and EY teams’ engagement with a wide range of clients.


Download the PDF - Non-performing exposure tracker - Q4 2022