KB prezent. angl - Komerční banka
KB prezent. angl - Komerční banka
KB prezent. angl - Komerční banka
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084 ➔085<br />
Unconsolidated Financial Statements<br />
under CAS<br />
Set out below is the breakdown of loans by sector:<br />
CZK million 2003 2002 2001<br />
Agriculture 6,440 7,148 7,966<br />
Processing industry 31,444 36,384 47,468<br />
Distribution and production of energy 5,685 7,057 8,212<br />
Construction 4,325 4,317 3,966<br />
Trade, catering, transport and communication 32,627 34,145 34,643<br />
Insurance, banking 7,743 7,614 11,296<br />
Česká konsolidační agentura 24,303 35,440 49,765<br />
Securities acquired under initial offerings not designated for trading 1,813 0 0<br />
Other 51,153 43,273 46,020<br />
Total loans to clients 165,533 175,378 209,336<br />
Set out below is an analysis by territory:<br />
CZK million 2003 2002 2001<br />
Czech Republic 159,162 169,131 201,139<br />
Europe 6,358 6,230 7,954<br />
Other 13 17 243<br />
Total 165,533 175,378 209,336<br />
Set out below is an analysis by category of customers:<br />
CZK million 2003 2002 2001<br />
Retail customers 31,034 22,375 15,894<br />
Corporate customers 98,511 113,840 141,316<br />
Public sector 35,988 39,163 52,126<br />
Total 165,533 175,378 209,336<br />
Details about loans written off and income from written off loans can be found at Note 9 to these financial statements.<br />
Set out below is an analysis of types of collateral underlying loans and advances to customers:<br />
CZK million Total client Discounted client Applied client Applied client Applied client<br />
loan collateral loan collateral loan collateral loan collateral loan collateral<br />
value value value value<br />
2003 2003 2003 2002 2001<br />
Guarantees of state and governmental institutions 35,379 * 34,910 32,048 43,910 54,973<br />
Bank guarantee 5,166 3,684 2,910 2,976 2,387<br />
Guaranteed deposits 1,039 1,029 796 961 1,225<br />
Issued debentures in pledge 20 12 12 337 12,995<br />
Pledge of real estate 108,171 53,183 32,392 28,409 29,567<br />
Pledge of movable assets 6,943 687 593 687 948<br />
Guarantee by corporate entity 13,420 1,991 1,542 1,848 1,692<br />
Guarantee by individual (physical entity) 4,675 862 714 870 530<br />
Pledge of receivables 26,195 10,951 8,318 7,569 6,101<br />
Insurance of credit risk 2,468 2,451 2,428 3,309 4,940<br />
Other 2,126 1,198 1,141 2,255 6,988<br />
Total nominal value of collateral 205,602 110,958 82,894 93,131 122,346<br />
Note: * Guarantees of state and governmental institutions include the state guarantee for loans issued to Česká konsolidační agentura.
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