Annual Report: - Gorenjska banka

The total impairment provision for loans and advances is EUR 113.5 million (2010: EUR 102.2 million)
of which EUR 83.0 million (2010: EUR 81.0 million) represents the individually impaired loans and
the remaining amount of EUR 30.5 million (2010: EUR 21.2 million) represents the group provisions.
Further information of the impairment allowance for loans and advances is provided in Note 2.11.
At the end of 2010, the Bank recorded EUR 289,560 thousand outstanding individually impaired
loans to big enterprises, whilst at the end of 2011, this figure equalled only EUR 32,001 thousand. A
major part of outstanding individually impaired loans at the end of 2010 was impaired collectively
at the end of 2011 as the reasons for individual impairment were no longer present. The principal
reasons for collective impairment were improved financial rating of the debtor and timely settlement
of liabilities to the Bank, rescheduled loans and final plan for financial restructuring in compulsory
settlement proceedings.
a) Loans and receivables neither past due nor impaired
As at 31 December 2011
(in thousands of EUR)) Loans to Loans to corporates Loans to Total
individual clients and other entities banks krediti
As at 31 December 2010
76
Gorenjska banka, d. d., Kranj
Annual Report 2011
Financial Report
Loans to Loans to
corporates SME
Banks - - - 25,394 25,394
Corporates - 41,524 7,649 - 49,173
Individual clients 646 - - - 646
Total 646 41,524 7,649 25,394 75,213
Fair value of collateral 1,519 46,037 16,314 - 63,870
(in thousands of EUR)) Loans to corporates Loans to Total
and other entities banks krediti
Loans to Loans to
corporates SME
Banks - - 10,663 10,663
Corporates 45,122 8,364 - 53,486
Total 45,122 8,364 10,663 64,149
Fair value of collateral 49,884 16,692 - 66,576