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September 25, 2021 "It is the industrial groups and large companies that weigh, with unpaid loans, on the balance sheets of Italian banks, but small debtors (families, VAT numbers, small and medium-sized enterprises) had greater difficulties in the year of Covid, to pay the installments ". This is what an analysis of the Fabi (Italian Autonomous Banking Federation) affirms in the 'Map of bad loans' which photographed the data relating to March 2021, observing the changes compared to 2020. "4.39% of customers are" responsible "60% of the unpaid installments" of loans exceeding 500 thousand euros, for 28 billion of bad debts. Just 126 subjects (0.002% of customers) with loans over 25 million, underlines the research, hold 2.9 billion Npls (6.12% of bad loans).
According to the Fabi research, large debtors saw a decrease in the share of total non-performing loans during the year of Covid, while that of loans of a smaller amount increased ", a sign of a situation, the one caused by the health emergency, which weighed heavily on small customers. credit institutions and a little less on large debtors ". "Between March 2020 and March 2021, the percentages of bad debts relating to loans of smaller amounts increased slightly: this is probably a significant indicator of the greater difficulties recorded for the smaller customer groups, precisely in the year of the pandemic, in repay the loans and pay the installments at the bank ". The data - although these are small differences - reveal that small personal loans, those up to 30.000 euros, are worth 5.12% of total bad loans against 4.62% a year ago; loans up to € 75,000 rose from 5.29% to 6.03%, while for those up to € 125.00 the incidence on the total went from 5.65% to 6.53% ".
For Fabi, "tens of thousands of small / medium-sized enterprises and family businesses will be at risk in the coming years and when the national and European emergency measures cease their effects, banks will have to be ready to manage the probable new waves of non performing loan and support - where possible - the economic and social fabric ". The research recalls that "with almost 300 billion euros of loans subject to a moratorium, Italy, together with Portugal, boasts the European record for payment stops. And our country boasts a scant 34% of the moratoriums granted which expired at the end of 2020, against 80% in France and Germany and 65% at European level.
Given the still relatively high share of loans still subject to a moratorium and the substantial liquidity support measures still in place, it is reasonable to imagine that the quality of the banking sector's loans is set to decline as early as 2022. "The real challenge will be to ensure protection. fair for all consumers, whose first line of defense against the risk of insolvency must be the banks themselves: anticipate, manage and not cause failure ", concludes the research.