"Bad debts" in the EU reached 879 billion euros, that is 9% of GDP

Officially recognized "bad debts" in the EU reached wild 879 billion euros , that is 9% of GDP.
https://www.ecb.europa.eu/pub/pdf/o...01410.en.pdf?29596b3046a55bbf19b4ed6ef01e97e6



But all these debts - is someone's life savings. For example, pension funds and national funds in other countries.
It is obvious that the official figures below - optimistic, since it ignores the many risks. For example - the physical destruction of the energy market with Russia, then Europe's GDP will decrease by several times, but bad debts - while clearly not decrease.