KB prezent. angl - Komerční banka

Set out below is an analysis by territory:
CZK million 2003 2002
Czech Republic 134,438 132,335
Europe 6,358 6,230
Other 1,706 1,740
Total 142,502 140,305
Set out below is an analysis by category of customers:
CZK million 2003 2002
Retail customers 31,142 22,418
Corporate customers 99,675 114,163
Public sector 11,685 3,724
Total 142,502 140,305
Set out below is an analysis of types of collateral underlying on balance sheet loans to customers:
CZK million Total Discounted Applied client Total Discounted Applied client
client loan client loan loan collateral client loan client loan loan collateral
collateral collateral value value collateral collateral value value
2003 2003 2003 2002 2002 2002
Guarantees of state
and governmental institutions 11,091 10,622 7,780 12,342 11,884 8,470
Bank guarantee 5,169 3,685 2,910 4,649 3,735 2,976
Guaranteed deposits 1,083 1,073 796 1,254 1,252 961
Issued debentures in pledge 237 125 80 526 394 337
Pledge of real estate 108,848 53,318 32,392 125,980 47,052 28,410
Pledge of movable assets 7,187 711 593 8,913 854 687
Guarantee by corporate entity 14,050 2,111 1,542 15,845 2,243 1,848
Guarantee by individual
(physical entity) 4,675 862 714 5,171 970 870
Pledge of receivables 26,777 11,184 8,318 23,653 9,998 7,569
Insurance of credit risk 2,468 2,451 2,428 3,484 3,372 3,309
Other 2,142 1,201 1,141 4,217 2,366 2,255
Total nominal value of collateral 183,727 87,343 58,694 206,034 84,120 57,692
Pledges on industrial real-estate represent 36 percent of total pledges on real estate (2002: 48 percent).
General provision for risks and uncertainties inherent in the loan portfolio
The Group’s loan portfolio includes a number of risks that cannot be specifically identified as such.
As of 31 December 2003, the Group maintains the loan loss general provision of CZK 4,050 million (2002: CZK 6,609 million) to cover
risks which may be present in the loan portfolio as of that date but which cannot be allocated to individual exposures. These are
principally risks associated with the portfolio of loans advanced to corporate customers with a significant concentration of industry risk
and the portfolio of consumer, mortgage and overdraft loans advanced to retail customers. This general provision also covers
management’s assessment of the estimated risk of losses in connection with a potential impairment of the portfolio of non-performing
loans due to economic cycles and existing weaknesses in the legal framework regarding the enforcement of creditor rights.