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Loan Portfolio

The FMO on balance net loan portfolio grew by €232 million to €2,817 million. The portfolio quality remained stable, as shown by a non-performing loan (NPL) ratio of 3.5% (2011: 3.4%). Although the financial crisis has had some effect on the emerging markets we invest in, we see as of yet no trend that indicates a deterioration of the quality of our portfolio.

Developments of the Loan Portfolio (*mln)

20122011
Gross loan portfolio3,113 2,871
Net loan portfolio2,8172,585
Written off amounts1518
NPL (principals with arrears > 90 days)             10897
NPL as % of gross portfolio3.53.4