Annual report 2004 (PDF, 4141 kB) - Unicredit Bank

As at 31 December 2004
Loans and advances to
customers
Other credit risk
bearing instruments
CZK m % CZK m %
Czech Republic 23 344 96 13 917 97
Other OECD countries 285 1 378 3
Non – OECD Central and Eastern Europe
countries 333 2 30 0
Other countries 307 1 12 0
24 269 100 14 337 100
As at 31 December 2004
Loans and advances to
customers
Other credit risk
bearing instruments
CZK m % CZK m %
Czech Republic 21 563 96 12 840 98
Other OECD countries 312 2 252 2
Non – OECD Central and Eastern Europe
countries 482 2 22 0
Other countries 91 0 0 0
22 448 100 13 114 100
Loans and advances are further analysed in Note 17.
Economic sector risk concentrations within the customer loan portfolio were as follows:
31 December 2004 31 December 2003
CZK m % CZK m %
Services 11 236 46 11 085 49
Manufacturing 8 686 36 8 267 37
Private individuals 3 090 13 2 004 9
Other 1 257 5 1 092 5
24 269 100 22 448 100
(d)
Market risk
The Bank takes on exposure to market risks. Market risks arise from open positions
in currency, interest rate and equity products, all of which are exposed to general and specific
98