The Pfandbrief 2011 | 2012
The Pfandbrief 2011 | 2012
The Pfandbrief 2011 | 2012
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Wüstenrot Bank AG<br />
<strong>Pfandbrief</strong>bank<br />
Hohenzollernstrasse 46<br />
71630 Ludwigsburg<br />
Telephone: +49 7141 16-1<br />
Telefax: +49 7141 16-4984<br />
Internet: www.wuestenrot.de<br />
Shareholder:<br />
Wüstenrot & Württembergische AG<br />
(100 %)<br />
Public-sector cover pool<br />
Dec. 31, 2010<br />
€ million in %<br />
Dec. 31, 2009<br />
€ million<br />
Nominal volume 1)<br />
7<br />
100<br />
50<br />
by ratings 2)<br />
AAA/Aaa/AAA<br />
7.0<br />
100.0<br />
50<br />
AA/Aa/AA<br />
0.0<br />
0.0<br />
0<br />
A/A/A<br />
0.0<br />
0.0<br />
0<br />
BBB/Baa/BBB<br />
0.0<br />
0.0<br />
0<br />
without rating<br />
0.0<br />
0.0<br />
0<br />
by borrowers<br />
German Federal Government, Federal states (Länder)<br />
0.0<br />
0.0<br />
45<br />
Local authorities<br />
0.0<br />
0.0<br />
0<br />
Public-sector financial institutions<br />
0.0<br />
0.0<br />
0<br />
Others<br />
7.0<br />
100.0<br />
5<br />
Other countries<br />
0.0<br />
0.0<br />
0<br />
of which: EU<br />
0.0<br />
0.0<br />
0<br />
non-EU<br />
0.0<br />
0.0<br />
0<br />
by weighting<br />
0 %<br />
7.0<br />
100.0<br />
50<br />
10 %<br />
0.0<br />
0.0<br />
0<br />
20 %<br />
0.0<br />
0.0<br />
0<br />
Further cover assets 3)<br />
nominal<br />
0.0<br />
0.0<br />
0<br />
Over-collateralization<br />
nominal<br />
2.0<br />
40.0<br />
19.8<br />
net present value<br />
risk adjusted net present value 4)<br />
1.7<br />
1.3<br />
31.1<br />
25.4<br />
19.8<br />
18.9<br />
155<br />
1)<br />
without “further cover assets” pursuant to § 20, par. 2 PfandBG<br />
2)<br />
in case of split ratings, the inferior credit rating prevails<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<br />
Dec. 31, 2010<br />
€ million in %<br />
Dec. 31, 2009<br />
€ million<br />
Nominal volume 1)<br />
4,704<br />
100<br />
5,039<br />
by property types<br />
residential<br />
4,497<br />
95.6<br />
4,812<br />
commercial<br />
207<br />
4.4<br />
227<br />
by number of cover loans<br />
residential<br />
63,830<br />
97.1<br />
66,908<br />
commercial<br />
1,938<br />
2.9<br />
2,113<br />
by average loan size (actual balance) 2)<br />
up to € 0.3 million<br />
4,580<br />
97.4<br />
4,908<br />
from more than € 0.3 million up to € 5.0 million<br />
124<br />
2.6<br />
131<br />
over € 5.0 million<br />
0<br />
0.0<br />
0<br />
by regional distribution<br />
Germany West<br />
3,786<br />
80.5<br />
4,065<br />
Germany East<br />
809<br />
17.2<br />
859<br />
Berlin<br />
109<br />
2.3<br />
115<br />
Other countries<br />
0<br />
0.0<br />
0<br />
of which: UK<br />
0<br />
0.0<br />
0<br />
France<br />
0<br />
0.0<br />
0<br />
Spain<br />
0<br />
0.0<br />
0<br />
Benelux countries<br />
0<br />
0.0<br />
0<br />
Scandinavia<br />
0<br />
0.0<br />
0<br />
others<br />
0<br />
0.0<br />
0<br />
Further cover assets 3)<br />
nominal<br />
304<br />
342<br />
Over-collateralization<br />
nominal<br />
720<br />
16.8<br />
1,227.1<br />
net present value<br />
793<br />
17.2<br />
1,321.9<br />
risk adjusted net present value 4)<br />
805<br />
16.7<br />
1,283.0<br />
1)<br />
without “further cover assets” pursuant to § 19, par. 1 PfandBG<br />
2)<br />
pursuant to § 28, par. 2 no. 1 a) PfandBG – total amount per tranche<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
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