Improvement of coverage ratio

If only the unsecured portion of the loans in the rating categories 8–, 9 and 10 is considered, we were able to reduce the volume to € 3.0 bn at year-end 2006 (1.7% of total risk exposure). The coverage ratio (loan loss provisions as a percentage of unsecured risk exposure) thus increased by 3 percentage points from 78% to 81% at year-end 2006.