Annual Report 2012 - Raiffeisen Bank Kosovo JSC

56
8. Loans and advances to customers
2012 2011
Corporate Customers
Current and rescheduled loans 135,106 145,803
Overdraft facilities 108,903 96,665
Customer accounts in overdraft 151 16
244,160 242,484
Retail Customers
Current and rescheduled loans 172,288 176,743
Overdraft facilities 10,288 9,277
Customer accounts in overdraft 746 573
183,322 186,592
Loans and advances to customers 427,482 429,076
Less: Provision for loan impairment (26,416) (26,966)
Loans and advances to customers, net 401,066 402,110
Loans and advances to customers include accrued interest income in the amount of € 1,565 thousand (31 December
2011: € 1,885 thousand).
Movements in the provision for loan impairment are as follows:
2012 2011
Provision for loan impairment at the beginning of the year 26,966 28,092
Net charge for provision for loan impairment during the year 5,523 6,545
Write offs (6,075) (7,671)
Provision for loan impairment at the end of the year 26,416 26,966
As at 31 December 2012 the Bank has 377 borrowers (31 December 2011: 419 borrowers) with aggregated loan
amounts above € 100 thousand. The aggregate amount of these loans is € 258,315 thousand or 60 per cent of the
gross loan portfolio (31 December 2011: 265,711 thousand or 58 per cent of the gross loan portfolio).
Economic sector risk concentrations within the customer loan portfolio are as follows:
2012 2011
Amount % Amount %
Trade 156,298 37% 161,509 38%
Individuals 171,596 40% 159,128 37%
Manufacturing, chemical and processing 31,307 7% 46,761 11%
Service 31,899 7% 24,234 6%
Construction and construction servicing 21,528 5% 22,661 5%
Food industry and agriculture 1,888 0% 2,123 0%
Other 12,966 4% 12,660 3%
Total loans and advances to customers before provision for loan impairment 427,482 100% 429,076 100%