Annual Report - VÃB banka
Annual Report - VÃB banka
Annual Report - VÃB banka
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10. Loans and advances to customers (continued)<br />
36<br />
Cost Impairment Carrying<br />
losses (note 11)<br />
amount<br />
31 December 2006<br />
Sovereigns<br />
State organizations/Municipalities 1,471 (28) 1,443<br />
1,471 (28) 1,443<br />
Corporate<br />
Other Financial Institution 3,297 (5) 3,292<br />
Large Corporates - Amortizing assets 20,806 (1,105) 19,701<br />
Large Corporates - Revolving facilities 3,344 (105) 3,239<br />
SME - Amortizing assets 9,606 (236) 9,370<br />
SME - Revolving facilities 4,740 (122) 4,618<br />
Non-profi t institutions 36 - 36<br />
Leasing 229 (5) 224<br />
Factoring 1,239 (18) 1,221<br />
43,297 (1,596) 41,701<br />
Retail<br />
Small business - Amortizing assets 1,523 (243) 1,280<br />
Small business - Revolving facilities 718 (150) 568<br />
Private individuals - Consumer Loans 14,150 (1,108) 13,042<br />
Private individuals - Credit Cards 4,711 (392) 4,319<br />
Private individuals - Overdrafts 1,682 (124) 1,558<br />
Private individuals - Mortgages 28,936 (580) 28,356<br />
Private individuals - Leasing 84 - 84<br />
Other 186 (15) 171<br />
51,990 (2,612) 49,378<br />
96,758 (4,236) 92,522<br />
During 2007, the Group wrote off loans and advances to customers amounting to Sk 1,251 million (2006: Sk<br />
2,344 million) net of recoveries against already existing impairment losses (note 33).<br />
At 31 December 2007, the 20 largest corporate customers represented a total balance of Sk 19,751 million<br />
(2006: Sk 14,562 million) or 15% (2006: 15%) of the gross loan portfolio.<br />
<strong>Annual</strong> <strong>Report</strong> 2007
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