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Loans, allowance for loan losses and credit quality | 6 Months Ended
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Jun. 30, 2022
Loans | 18 Loans The Group’s loan portfolio is classified into two portfolio segments, consumer loans and corporate & institutional loans. Consumer loans are disaggregated into the classes of mortgages, loans collateralized by securities and consumer finance. Corporate & institutional loans are disaggregated into the classes of real estate, commercial and industrial loans, financial institutions, and governments and public institutions. For financial reporting purposes, the carrying values of loans and related allowance for credit losses are presented in accordance with US GAAP and are not comparable with the regulatory credit risk exposures presented in our disclosures required under Pillar 3 of the Basel framework. Loans
end of |  | 2Q22 |  | 1Q22 |  | 4Q21 |
Loans (CHF million)
Mortgages |  | 109,483 |  | 110,166 |  | 110,533 |
Loans collateralized by securities |  | 45,658 |  | 47,828 |  | 51,253 |
Consumer finance |  | 5,419 |  | 5,231 |  | 5,075 |
Consumer |  | 160,560 |  | 163,225 |  | 166,861 |
Real estate |  | 27,253 |  | 28,556 |  | 28,529 |
Commercial and industrial loans |  | 68,769 |  | 68,432 |  | 69,129 |
Financial institutions |  | 26,893 |  | 25,733 |  | 25,222 |
Governments and public institutions |  | 3,531 |  | 3,147 |  | 3,323 |
Corporate & institutional |  | 126,446 |  | 125,868 |  | 126,203 |
Gross loans |  | 287,006 |  | 289,093 |  | 293,064 |
of which held at amortized cost |  | 277,907 |  | 279,548 |  | 282,821 |
of which held at fair value |  | 9,099 |  | 9,545 |  | 10,243 |
Net (unearned income)/deferred expenses |  | (73) |  | (81) |  | (81) |
Allowance for credit losses |  | (1,360) |  | (1,330) |  | (1,297) |
Net loans |  | 285,573 |  | 287,682 |  | 291,686 |
Gross loans by location (CHF million)
Switzerland |  | 168,354 |  | 169,454 |  | 167,957 |
Foreign |  | 118,652 |  | 119,639 |  | 125,107 |
Gross loans |  | 287,006 |  | 289,093 |  | 293,064 |
Impaired loan portfolio (CHF million)
Non-performing loans |  | 1,649 |  | 1,819 |  | 1,666 |
Non-interest-earning loans |  | 345 |  | 378 |  | 298 |
Non-accrual loans |  | 1,994 |  | 2,197 |  | 1,964 |
Restructured loans |  | 571 |  | 384 |  | 367 |
Potential problem loans |  | 516 |  | 451 |  | 436 |
Other impaired loans |  | 1,087 |  | 835 |  | 803 |
Gross impaired loans 1 |  | 3,081 |  | 3,032 |  | 2,767 |
1 As of the end of 2Q22, 1Q22 and 4Q21, CHF 152 million, CHF 184 million and CHF 130 million, respectively, were related to consumer mortgages secured by residential real estate for which formal foreclosure proceedings according to local requirements of the applicable jurisdiction were in process.
In accordance with Group policies, impaired loans include non-accrual loans, comprised of non-performing loans and non-interest-earning loans, as well as restructured loans and potential problem loans. > Refer to “Loans” in Note 1 – Summary of significant accounting policies in VI – Consolidated financial statements – Credit Suisse Group in the Credit Suisse Annual Report 2021 for further information on loans and categories of impaired loans. > Refer to “Note 19 – Financial instruments measured at amortized cost and credit losses” for further information on loans held at amortized cost.
Bank |
Loans | 17 Loans > Refer to “Note 18 – Loans” in III – Condensed consolidated financial statements – Credit Suisse Group in the Credit Suisse Financial Report 2Q22 for further information. Loans
end of |  | 6M22 |  | 2021 |
Loans (CHF million)
Mortgages |  | 109,483 |  | 110,533 |
Loans collateralized by securities |  | 45,658 |  | 51,253 |
Consumer finance |  | 5,419 |  | 5,075 |
Consumer |  | 160,560 |  | 166,861 |
Real estate |  | 27,253 |  | 28,529 |
Commercial and industrial loans |  | 69,424 |  | 69,756 |
Financial institutions |  | 34,669 |  | 33,266 |
Governments and public institutions |  | 3,531 |  | 3,323 |
Corporate & institutional |  | 134,877 |  | 134,874 |
Gross loans |  | 295,437 |  | 301,735 |
of which held at amortized cost |  | 286,338 |  | 291,492 |
of which held at fair value |  | 9,099 |  | 10,243 |
Net (unearned income)/deferred expenses |  | (73) |  | (81) |
Allowance for credit losses |  | (1,359) |  | (1,296) |
Net loans |  | 294,005 |  | 300,358 |
Gross loans by location
Switzerland |  | 176,055 |  | 175,903 |
Foreign |  | 119,382 |  | 125,832 |
Gross loans |  | 295,437 |  | 301,735 |
Impaired loans
Non-performing loans |  | 1,649 |  | 1,666 |
Non-interest-earning loans |  | 334 |  | 286 |
Non-accrual loans |  | 1,983 |  | 1,952 |
Restructured loans |  | 571 |  | 367 |
Potential problem loans |  | 516 |  | 436 |
Other impaired loans |  | 1,087 |  | 803 |
Gross impaired loans 1 |  | 3,070 |  | 2,755 |
1 As of the end of 6M22 and 2021, CHF 152 million and CHF 130 million, respectively, were related to consumer mortgages secured by residential real estate for which formal foreclosure proceedings according to local requirements of the applicable jurisdiction were in process.
> Refer to “Loans” in Note 1 – Summary of significant accounting policies in VI – Consolidated financial statements – Credit Suisse Group in the Credit Suisse Annual Report 2021 for further information on categories of impaired loans. > Refer to “Note 18 – Financial instruments measured at amortized cost and credit losses” for further information on loans held at amortized cost.

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 + Details
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