COMMERZBANK AKTIENGESELLSCHAFT

Group Financial Statements
290
234 Commerzbank Annual Report 2011
The breakdown of interest income and interest expense from investment properties was as follows:
€m 2011 2010 Change in %
Rental income 61 94 – 35.1
Other income – – .
Total income 61 94 – 35.1
Building and occupancy expense for rented properties 27 27 0.0
Other expenses 33 55 – 40.0
Total expenses 60 82 – 26.8
(32) Loan loss provisions
The breakdown of loan loss provisions in the consolidated income statement was as follows:
€m 2011 2010 Change in %
Allocation to loan loss provisions – 3,467 – 4,440 – 21.9
Reversals of loan loss provisions 2,489 2,207 12.8
Direct write-downs – 594 – 459 29.4
Write-ups and amounts recovered on claims written-down 182 193 – 5.7
Total – 1,390 – 2,499 – 44.4
The breakdown of the net allocation to provisions was as follows:
€m 2011 2010 Change in %
Specific risks – 1,349 – 2,685 – 49.8
Claims on banks 24 19 26.3
Claims on customers – 1,376 – 2,656 – 48.2
Off-balance sheet items 3 – 48 .
Portfolio risks 371 452 – 17.9
Claims on banks – 20 7 .
Claims on customers 320 399 – 19.8
Off-balance sheet items
Direct write-downs, write-ups and amounts
71 46 54.3
recovered on claims written-down – 412 – 266 54.9
Total – 1,390 – 2,499 – 44.4