Asset Transformation

Asset Transformation is responsible for managing non-standard risks and real estate exposures on a Group-wide basis and for planning and implementing strategy for shareholdings in the industrial and real estate sectors, including Solvia.

A substantial reduction in problematic assets. The reduction in non-performing loans is accelerating while assets on the balance sheet are improving.

Reduction in balance of doubtful assets
(Dec. 2013 – Dec. 2015)
5,500M€ -22.4%

Reduction of problem assets
(Dec. 2013 – Dec. 2015)
4,500M€ -12.8%

Sale of real estate assets
16% more than in the previous year and with lower discounts
1,902units

Investors’ interest in the Spanish real estate market is reflected in lower discounts.

The volu­me of doubtful assets is falling faster than expected (resul­ting in an increase in our guidance for 2016).