The Pfandbrief 2011 | 2012
The Pfandbrief 2011 | 2012
The Pfandbrief 2011 | 2012
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SaarLB<br />
Landesbank Saar<br />
Ursulinenstraße 2<br />
66111 Saarbrücken<br />
Telephone: +49 681 383-01<br />
Telefax: +49 681 383-1200<br />
Internet: www.saarlb.de<br />
Owners:<br />
BayernLB (49.9 %)<br />
Saarland (35.2 %)<br />
Sparkassenverband Saar (14.9 %)<br />
Public-sector cover pool 1)<br />
Dec. 31, 2010<br />
€ million in %<br />
Dec. 31, 2009<br />
€ million<br />
Nominal volume 2)<br />
by borrowers<br />
German Federal Government and Federal states (Länder)<br />
Local authorities<br />
Public-sector financial institutions<br />
Others<br />
by weighting 0 %<br />
Further cover assets 3) nominal<br />
Over-collateralization nominal<br />
net present value<br />
risk adjusted net present value 4)<br />
2,513<br />
441<br />
371<br />
1,701<br />
0<br />
2,513<br />
115<br />
1,039<br />
1,081<br />
1,050<br />
100<br />
17<br />
15<br />
68<br />
65<br />
65<br />
68<br />
2,409<br />
426<br />
377<br />
1,606<br />
0<br />
2,409<br />
117<br />
649<br />
679<br />
646<br />
1)<br />
without old loans pursuant to § 50 PfandBG<br />
2)<br />
without “further cover assets” pursuant to § 20, par. 2 PfandBG<br />
3)<br />
pursuant to § 20, par. 2 PfandBG<br />
4)<br />
according to § 28, par. 1, S. 1 PfandBG – the lowest risk-adjusted value of over-collateralization<br />
Mortgage cover pool 1)<br />
Dec. 31, 2010<br />
€ million in %<br />
Dec. 31, 2009<br />
€ million<br />
Nominal volume 2)<br />
by property types<br />
residential<br />
commercial<br />
by average loan size (actual balance) 5)<br />
up to € 0.3 million<br />
from more than € 0.3 million up to € 5.0 million<br />
over € 5.0 million<br />
by regional distribution<br />
Germany<br />
France<br />
Further cover assets 3) nominal<br />
Over-collateralization nominal<br />
net present value<br />
risk adjusted net present value 4)<br />
293<br />
28<br />
265<br />
2<br />
168<br />
123<br />
125<br />
168<br />
10<br />
97<br />
101<br />
97<br />
100<br />
10<br />
90<br />
1<br />
57<br />
42<br />
43<br />
57<br />
47<br />
47<br />
48<br />
322<br />
32<br />
290<br />
2<br />
134<br />
186<br />
71<br />
251<br />
10<br />
216<br />
224<br />
218<br />
139<br />
1)<br />
without old loans pursuant to § 50 PfandBG<br />
2)<br />
without “further cover assets” pursuant to § 19, par. 1 PfandBG<br />
3)<br />
pursuant to § 19, par. 1 PfandBG<br />
4)<br />
according to § 28, par. 1, S. 1 PfandBG – the lowest risk-adjusted value of over-collateralization<br />
5)<br />
pursuant to § 28, par. 2 no. 1 a) PfandBG – total amount per tranche