consolidated annual report - Gruppo Banca Sella
consolidated annual report - Gruppo Banca Sella
consolidated annual report - Gruppo Banca Sella
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1.6 Secured loans to customers<br />
2004 2003<br />
a) Mortgages 1.504.557 1.112.924<br />
b) Pledged assets:<br />
1. Cash deposits 28.581 73.961<br />
2. Securities 89.396 116.642<br />
3. Other instruments 39.740 39.000<br />
157.717 229.603<br />
c) Guarantees given by:<br />
1. Governments - -<br />
2. Other public bodies 374 438<br />
3. Banks 20.746 19.524<br />
4. Other operators 1.017.204 892.725<br />
1.038.324 912.687<br />
Total 2.700.598 2.255.214<br />
1.7 Situation of cash loans to customers<br />
Gross value Total write-downs Net value<br />
A. Doubtful loans 310.293 154.567 155.726<br />
A.1 Non-performing loans 207.415 135.133 72.282<br />
A.2 Watchlist loans 94.609 18.104 76.505<br />
A.3 Loans being restructured - - -<br />
A.4 Restructured loans 4.986 1.330 3.656<br />
A.5 Non guaranteed loans exposed to country risk 3.283 - 3.283<br />
B. Performing loans 5.035.877 2.255 5.033.622<br />
Total 5.346.170 156.822 5.189.348<br />
1.8 Movements in doubtful loans during the year<br />
Non guaranteed<br />
Description Non-performing Watchlist Loans being Restructured loans exposed<br />
loans loans restructured loans to Country risk<br />
A. Gross value as of 01/01/2004 200.029 103.099 - 709 4.288<br />
of which: for default interest 43.725 201 - - -<br />
B. Increases 65.140 98.513 4.969 4.989 1.461<br />
B.1 inflows from performing loans 8.255 72.695 4.969 - 1.371<br />
B.2 default interest 7.883 - - 73 -<br />
B.3 transfers from other categories of doubtful loans 44.748 - - 4.916 -<br />
B.4 other increases 4.254 25.818 - - 90<br />
C. Decreases 57.754 107.003 4.969 712 2.466<br />
C.1 outflows to performing loans - 14.046 - - 2.171<br />
C.2 write-offs 30.694 - - - -<br />
C.3 collections 22.274 37.983 53 712 -<br />
C.4 disposals 3.760 - - - -<br />
C.5 transfers to other categories of doubtful loans - 44.747 4.916 - -<br />
C.6 other decreases 1.026 10.227 - - 295<br />
D. Gross value as of 31/12/2004 207.415 94.609 - 4.986 3.283<br />
of which: for default interest 45.246 138 - 73 -<br />
Consolidated <strong>annual</strong> <strong>report</strong> 2004 - 229