KB prezent. angl - Komerční banka

Set out below is an analysis by territory:
CZK million 2003 2002 2001
Czech Republic 188,057 162,563 93,065
Europe 13,384 37,060 52,878
Other 342 660 10,945
Total 201,783 200,283 156,888
Details about loans written off and income from written off loans can be found at Note 9 to these financial statements.
Advances due from the Czech National Bank are collateralised by treasury bills and other debt securities issued by the Czech National
Bank or the Ministry of Finance of the Czech Republic.
Securities acquired under initial offerings not designated for trading
In the third quarter of 2003, pursuant to its investment strategy the Bank acquired, under an initial offering and normal market conditions,
bonds issued by the parent company denominated in CZK with an aggregate nominal value of CZK 5,000 million maturing in 2013. These
bonds bear fixed interest at 3.98 percent. Since 2002, the Bank has carried bonds issued by the parent company denominated in CZK
with an aggregate nominal value of CZK 14,000 million, maturing in 2012 and bearing fixed interest at 4.27 percent.
14. Amounts due from customers
Amounts due from customers comprise:
CZK million 2003 2002 2001
Loans and advances to customers 162,386 174,154 207,550
Securities acquired under initial offerings not designated for trading 1,813 0 0
Bills of exchange 747 663 912
Forfaits 587 561 874
Total gross loans and advances to customers 165,533 175,378 209,336
Provisions for loan losses (5,384) (11,572) (15,562)
Total amounts due from customers, net 160,149 163,806 193,774
The loan portfolio of the Bank as of 31 December 2003 (net of debt securities acquired under initial offerings) comprises the following
breakdown by classification:
CZK million Gross Collateral Net Provisions Carrying Provisions
receivable applied exposure value (%)
Standard 135,208 71,811 63,396 0 135,208 0.00
Watch17,272 8,655 8,617 379 16,893 4.40
Substandard 4,510 1,961 2,549 832 3,678 32.64
Doubtful 1,041 321 720 388 653 53.89
Loss 4,733 146 4,587 3,764 969 82.06*
Total by classification 162,764 82,894 79,869 5,363 157,401 6.71
Other amounts due from customers 956 0 956 21 935 X
Total 163,72082,894 79,869 5,384 158,336 X
Note: * Provisioning percentage in the “loss” category does not conform to the requirement of the Czech National Bank as the “Collateral”
item does not reflect the state guarantee value as described in Note 2.