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  "documentTitle": "Deleveraging Europe",
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  "notes": "Includes two charts: NPL volume/ratio for Germany and Loans by Stage for European banks.",
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      "text": "Despite overall declining trends in total NPL volumes across Europe, a wave of new NPLs is widely expected, driven by repeated lockdowns and the level of loans still under moratoria.",
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      "text": "NPL Volume (€bn) and NPL ratio (%)",
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      "kind": "chart",
      "text": "Loans and Advance by Stage (€bn) and Ratio (%)",
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      "text": "Scenic view of Porto, Portugal",
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      "text": "NPL volume: €32.5bn",
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      "kind": "paragraph",
      "text": "Germany: German NPL volumes, which had fallen significantly over previous years, have increased only slightly since the outbreak of the pandemic.",
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      "kind": "paragraph",
      "text": "Conclusion: Despite overall declining trends in total NPL volumes across Europe, a wave of new NPLs is widely expected, driven by repeated lockdowns.",
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      "text": "Portugal: Portugal has seen a steady decrease in NPL volumes in recent years. This trend has continued despite the pandemic.",
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      "kind": "title",
      "text": "Deleveraging Europe | June 2021",
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