In the 2^nd quarter of 2022

Ratios of non-performing loans and the balance of loans granted increased for non-financial corporations and decreased year-on-year for households

According to data provided by the Bank of Portugal, at the end of the 2^nd quarter of 2022, the balance of the volume of loans granted to non-financial corporations (NFC) was 2.0 billion euros, an increase of 43.6 million euros vis-a-vis the end of June 2021 and a drop of 33.8 million euros down compared to March 2022.

The ratio of non-performing loans of this type of corporation increased by 0.4 percentage points (p.p.) compared to June 2021, standing at 2.6% at the end of the reference period. Compared to the end of the previous quarter, there was an increase of 0.2 pp. In the country, the ratio of non-performing loans grew by 0.2 pp compared to the previous quarter and decreased by 0.5 pp in year-on-year terms, standing at 2.4% at the end of the 2^nd quarter of 2022. The amount of non-performing loans within the scope of non-financial corporations, headquartered in the Region, stood, in the reference period, at 52.9 million euros (+4.1 million euros compared to last March and -9.6 million euros than in June of the previous year).

The percentage of borrowers in the NFC sector with non-performing loans at the end of June 2022 was 14.7%, with this indicator remaining below the national average (15.1% in the same period) since July 2020.

In the Household and Non-Profit Institutions Serving Households (NPISH), there was a decrease of 162.1 million euros in year-on-year terms in the balance of loans granted, which stood at 3.0 billion euros, at the end of the 2^nd quarter of 2022. When comparing the balance with that of the previous quarter, there is also a decrease of approximately 207.1 million euros. 72.7% of that balance was related to the housing segment and the remaining 27.3% to consumption and other purposes.

With regard to overdue loans in the housing segment, they stood at 11.2 million euros, representing a ratio of 0.5%. This percentage is slightly above the national value (0.4%). Between June 2021 and June 2022, the ratio of non-performing loans for housing decreased by 0.2 pp in the Region.

The number of borrowers in the Household and Non-Profit Institutions Serving Households (NPISH) sector grew compared to the previous quarter to 100.7 thousand, and at the end of the 2^nd quarter of 2022, there were around 44.4 thousand borrowers with housing loans and 84.0 thousand with credit for consumption and other purposes.

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