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The table below presents fair value of the collateral received. Adequate forms of collateral are<br />
considered, which the Bank can use in impairment calculation and could use in case of any overdue<br />
receivables. The collateral received for on-balance sheet items (for loans and securities) and for offbalance<br />
sheet is included.<br />
(in thousands of EUR) 2011 2010<br />
Mortgages 853,615 800,144<br />
Accession to obligations 383,008 374,456<br />
Securities and equity investments pledged 253,374 360,841<br />
Guarantees by companies 101,780 104,486<br />
Insurance of loans and contingent claims to individuals by the insurance company 92,252 95,725<br />
State guarantees 41,002 33,697<br />
Insurance policies SID Bank 16,508 19,714<br />
Pledged deposits 4,966 2,174<br />
Other collateral 7,049 6,545<br />
Total amount of collateral received 1,753,554 1,797,782<br />
4.1.3 Loans and receivables<br />
Loans and receivables are summarised as follows:<br />
As at 31 December 2011<br />
Na dan 31. 12. 2010<br />
Loans to individual clients Loans to corporates<br />
and other entities<br />
(in thousands of EUR) Overdrafts Housing Consumer Loans to Loans to Loans to Total<br />
loans loans corporates SME banks<br />
družbam<br />
Neither past due nor impaired - - 646 41,524 7,649 25,394 75,213<br />
Past due but not impaired - - - - 2 - 2<br />
Not past due but group impaired 16,917 54,031 48,607 642,171 242,019 - 1,003,746<br />
Past due and group impaired 355 144 1,738 42,890 6,432 - 51,559<br />
Not past due but individually impaired - - - 32,001 43,505 - 75,506<br />
Past due and individually impaired - - - 96,087 82,106 - 178,193<br />
Gross 17,272 54,175 50,992 854,673 381,713 25,394 1,384,219<br />
Less: allowance for impairment (524) (762) (2,628) (62,864) (46,671) - (113,449)<br />
Net 16,748 53,413 48,364 791,809 335,042 25,394 1,270,770<br />
Loans to individual clients Loans to corporates<br />
and other entities<br />
(in thousands of EUR) Overdrafts Housing Consumer Loans to Loans to Loans to Total<br />
loans loans corporates SME banks<br />
družbam<br />
Neither past due nor impaired - - - 45,122 8,364 10,663 64,149<br />
Not past due but group impaired 17,163 44,617 49,858 449,477 259,492 - 820,607<br />
Past due and group impaired 407 35 1,727 5,245 1,321 - 8,735<br />
Not past due but individually impaired - - - 289,560 67,246 - 356,806<br />
Past due and individually impaired - - - 93,401 51,256 - 144,657<br />
Gross 17,570 44,652 51,585 882,805 387,679 10,663 1,394,954<br />
Less: allowance for impairment (579) (499) (2,599) (62,807) (35,691) - (102,175)<br />
Net 16,991 44,153 48,986 819,998 351,988 10,663 1,292,779<br />
75<br />
<strong>Gorenjska</strong> <strong>banka</strong>, d. d., Kranj<br />
<strong>Annual</strong> <strong>Report</strong> 2011<br />
Financial <strong>Report</strong>
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