09-041334 Relatorio INGLES Vol 2 - BCP KOMORI 4 - Millennium bcp

More documents

Recommendations

Info

Annual Report Volume II Financial Statements 2008 Banco Comercial Português, S.A. 171 The analysis of the loans charged-off, by sector of activity, is as follows: Euros ’000 2008 2007 Agriculture 1,865 5,499 Mining 3,255 1,245 Food, beverage and tobacco 5,485 3,899 Textiles 16,831 19,809 Wood and cork 1,743 4,525 Printing and publishing 2,927 1,690 Chemicals 2,575 548 Engineering 7,370 10,811 Electricity, water and gas 48 579 Construction 28,873 40,585 Retail business 14,140 13,240 Wholesale business 65,603 21,907 Restaurants and hotels 4,555 3,400 Transports and communications 15,923 4,214 Services 37,523 66,354 Consumer credit 52,561 66,429 Mortgage credit 26,591 18,420 Other domestic activities 5,898 43,004 Other international activities 2,962 34,036 296,728 360,194 Loans and advances to customers are charged-off when there are no expectations, from an economic point of view, of recovering the loan amount and for collatera - lized loans, when the funds arising from the execution of the respective collaterals was already received. This charge-off is carried out for loans that are fully provided. This criteria has been applied consistently by the Bank in the previous periods. The analysis of the loans charged-off, by type of credit, is as follows: Euros ’000 2008 2007 Asset-backed loans 81,676 69,161 Personal guaranteed loans 79,829 80,770 Unsecured loans 132,261 206,043 Foreign loans 2,962 4,220 296,728 360,194
172 Annual Report Volume II Financial Statements 2008 Banco Comercial Português, S.A. The analysis of recovered loans and overdue interest, during 2008 and 2007, which were charged-off during the year or in previous years, by sector of activity is as follows: Euros ’000 2008 2007 Agriculture 1,049 5,502 Mining 2,710 1,408 Food, beverage and tobacco 3,245 1,354 Textiles 8,957 6,049 Wood and cork 365 626 Printing and publishing 1,225 900 Chemicals 377 508 Engineering 2,936 6,299 Electricity, water and gas - 541 Construction 9,367 22,416 Retail business 4,312 9,700 Wholesale business 11,920 12,498 Restaurants and hotels 1,662 6,062 Transports and communications 1,571 5,430 Services 4,477 18,631 Consumer credit 20,597 23,085 Mortgage credit 3,672 11,005 Other domestic activities 777 2,618 Other international activities 1,006 - 80,225 134,632 The analysis of recovered loans and overdue interest during 2008 and 2007 which were charged-off during the year or in previous years, by type of credit, is as follows: Euros ’000 2008 2007 Asset-backed loans 23,264 32,571 Personal guaranteed loans 17,721 24,883 Unsecured loans 38,234 77,178 Foreign loans 1,006 - 80,225 134,632 21. Financial assets held for trading and available for sale The balance Financial assets held for trading and available for sale is analysed as follows: Euros ’000 2008 2007 Bonds and other fixed income securities Issued by public entities 384,544 728,292 Issued by other entities 7,716,474 3,979,440 8,101,018 4,707,732 Overdue securities 5,427 5,427 Impairment for overdue securities (5,427) (5,427) 8,101,018 4,707,732 Shares and other variable income securities 879,530 1,306,127 8,980,548 6,013,859 Trading derivatives 1,577,259 802,548 10,557,807 6,816,407 The balance Trading derivatives includes the valuation of the embedded derivatives separated from the host contract in accordance with the accounting policy presented in note 1 c) in the amount of Euros 1,756,000 (31 December 2007: Euros 2,106,000).
Page 1 and 2:
2008 Annual Report Volume 1I
Page 3 and 4:
2 Annual Report Volume II Contents
Page 5 and 6:
4 Annual Report Volume II Report of
Page 7 and 8:
6 Annual Report Volume II Statement
Page 9 and 10:
8 Annual Report Volume II Report of
Page 11 and 12:
10 Annual Report Volume II Report o
Page 13 and 14:
Page 15 and 16:
Page 17 and 18:
Page 19 and 20:
Page 21 and 22:
Page 23 and 24:
Page 25 and 26:
Page 27 and 28:
26 Annual Report Volume II Appendix
Page 29 and 30:
28 Annual Report Volume II Opinion
Page 31 and 32:
30 Annual Report Volume II Opinion
Page 33 and 34:
32 Annual Report Volume II Annual R
Page 35 and 36:
34 Annual Report Volume II Annual R
Page 37 and 38:
36 Annual Report Volume II 2008 Fin
Page 39 and 40:
38 Annual Report Volume II Financia
Page 41 and 42:
Page 43 and 44:
Page 45 and 46:
Page 47 and 48:
Page 49 and 50:
48 Relatório e Contas Volume II Fi
Page 51 and 52:
Page 53 and 54:
Page 55 and 56:
Page 57 and 58:
Page 59 and 60:
Page 61 and 62:
Page 63 and 64:
Page 65 and 66:
Page 67 and 68:
Page 69 and 70:
Page 71 and 72:
Page 73 and 74:
Page 75 and 76:
Page 77 and 78:
Page 79 and 80:
Page 81 and 82:
Page 83 and 84:
Page 85 and 86:
Page 87 and 88:
Page 89 and 90:
Page 91 and 92:
Page 93 and 94:
Page 95 and 96:
Page 97 and 98:
Page 99 and 100:
Page 101 and 102:
100 Annual Report Volume II Financi
Page 103 and 104:
Page 105 and 106:
Page 107 and 108:
Page 109 and 110:
Page 111 and 112:
Page 113 and 114:
Page 115 and 116:
Page 117 and 118:
Page 119 and 120:
Page 121 and 122: 120 Annual Report Volume II Financi
Page 171: 170 Annual Report Volume II Financi
Page 223 and 224:
Page 225 and 226:
Page 227 and 228:
Page 229 and 230:
228 Annual Report Volume II Declara
Page 231 and 232:
230 Annual Report Volume II Externa
Page 233 and 234:
Page 235 and 236:
Page 237 and 238:
236 Annual Report Volume II Corpora
Page 239 and 240:
238 Annual Repport Volume II Corpor
Page 241 and 242:
Page 243 and 244:
Page 245 and 246:
Page 247 and 248:
Page 249 and 250:
Page 251 and 252:
Page 253 and 254:
Page 255 and 256:
Page 257 and 258:
Page 259 and 260:
Page 261 and 262:
Page 263 and 264:
Page 265 and 266:
Page 267 and 268:
Page 269 and 270:
Page 271 and 272:
Page 273 and 274:
Page 275 and 276:
Page 277 and 278:
Page 279 and 280:
Page 281 and 282:
Page 283 and 284:
Page 285 and 286:
Page 287 and 288:
Page 289 and 290:
Page 291 and 292:
Page 293 and 294:
Page 295 and 296:
294 Annual Report Volume II Annexes
Page 297 and 298:
Page 299 and 300:
Page 301 and 302:
Page 303 and 304:
Page 305 and 306:
Page 307 and 308:
Page 309 and 310:
Page 311 and 312:
Page 313 and 314:
Page 315 and 316:
Page 317 and 318:
Page 319 and 320:
Page 321 and 322:
Page 323 and 324:
Page 325 and 326:
Page 327 and 328:
Page 329 and 330:
Page 331 and 332:
Page 333 and 334:
Page 335 and 336:
Page 337 and 338:
Page 339 and 340:
Page 341 and 342:
Page 343 and 344:
Page 345 and 346:
Page 347 and 348:
Page 349 and 350:
Page 353:
Annual Report 2008 Volume II ©Mill
show all

09-041334 Relatorio INGLES Vol 2 - BCP KOMORI 4 - Millennium bcp

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?