The Pfandbrief 2011 | 2012
The Pfandbrief 2011 | 2012
The Pfandbrief 2011 | 2012
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VALOVIS BANK AG<br />
<strong>The</strong>odor-Althoff-Strasse 7<br />
45133 Essen<br />
Telephone: +49 201 2465-9800<br />
Telefax: +49 201 2465-9899<br />
e-mail: info@valovisbank.com<br />
Internet: www.valovisbank.com<br />
Legal Owner:<br />
KarstadtQuelle Mitarbeiter Trust e.V.<br />
Mortgage cover pool<br />
Dec. 31, 2010<br />
€ million in %<br />
Dec. 31, 2009<br />
€ million<br />
Nominal volume 1)<br />
by property types<br />
residential<br />
commercial<br />
by number of cover loans<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 West<br />
Germany East<br />
Berlin<br />
Other countries<br />
Further cover assets 3) nominal<br />
Over-collateralisation nominal<br />
net present value<br />
risk adjusted net present value 4)<br />
1,269<br />
296<br />
973<br />
1,165<br />
125<br />
160<br />
229<br />
880<br />
897<br />
163<br />
209<br />
0<br />
190<br />
325<br />
233<br />
260<br />
100<br />
23.3<br />
76.7<br />
90.3<br />
9.7<br />
12.6<br />
18.1<br />
69.3<br />
70.7<br />
12.8<br />
16.5<br />
0.0<br />
1,432<br />
312<br />
1,120<br />
1,455<br />
119<br />
196<br />
204<br />
1,032<br />
1,077<br />
151<br />
204<br />
0<br />
190<br />
424<br />
211<br />
288<br />
1)<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-collateralisation<br />
5)<br />
pursuant to § 28, par. 2 no. 1 a) PfandBG – total amount per tranche<br />
147
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