Ársskýrsla Landsbankans - Landsbankinn

Notes to the Consolidated Financial Statements
Maximum exposure to credit risk and concentration by industry sectors (continued)
55.
Corporations
Construction
and real
Financial Public
estate Holding
Carrying
At 31 December 2009
institutions entities* Individuals Fisheries companies companies Retail Services Manufacturing ITC** Agriculture Other amount
Cash and balances with Central Bank - 26,174 - - - - - - - - - - 26,174
Bonds and debt instruments 19,985 129,571 - - 1,343 6,759 - - 1,251 - - 6,812 165,721
Derivative instruments 962 - - - - - - - - - - 9 971
Loans and advances to financial institutions 83,129 - - - - - - - - - - - 83,129
Loans and advances to customers - 10,388 175,986 162,490 110,404 53,401 46,161 49,589 26,933 17,659 13,208 903 667,122
Other financial assets 5,424 50 7 40 1 594 3 779 2 1 - 89 6,990
Total on-balance sheet exposure 109,500 166,183 175,993 162,530 111,748 60,754 46,164 50,368 28,186 17,660 13,208 7,813 950,107
Off-balance sheet exposure 0 7,000 34,008 10,219 7,852 1,124 11,701 4,719 3,481 2,588 1,796 141 84,629
Financial guarantees - 412 378 598 3,521 215 423 1,313 581 493 6 95 8,035
Undrawn loan commitments - - 73 7,000 2,715 166 7,598 628 1,665 1,100 1,409 - 22,354
Undrawn overdraft/credit card facilities - 6,588 33,557 2,621 1,616 743 3,680 2,778 1,235 995 381 46 54,240
Maximum exposure to credit risk 109,500 173,183 210,001 172,749 119,600 61,878 57,865 55,087 31,667 20,248 15,004 7,954 1,034,736
* Public entities consist of central government, state-owned enterprises, Central Bank and municipalities.
** ITC consists of corporations in the information, technology and communication industry sectors.
NBI hf. Consolidated Financial Financial Statements 2010 57
All amounts are in ISK million