Annual Report of Euram Bank 2019

eurambank

B. Risks in the area of loans and advances to customers

Loans and advances to customers amount to EUR 148.0 million (EUR 124.2 million as at 31/12/2018).

This amount includes specific provisions amounting to EUR 191 thousand (EUR 194 thousand as

at 31/12/2018), as well as a general impairment provision in the amount of EUR 2.660 thousand

(EUR 950 thousand as at 31/12/2018). Loans and advances to customers amounting to

EUR 1.7 million (EUR 2.6 million as at 31/12/2018) are secured through deposits, loans and advances

to customers amounting to EUR 109.5 million (EUR 96.0 million as at 31/12/2018) are mainly secured

through mortgages, deposits and/or securities, unsecured loans amount to EUR 36.8 million

(EUR 25.6 million as at 31/12/2018). Loans and advances to customers include amounts due from

issuers at a volume of EUR 6.4 million (EUR 3.7 million as at 31/12/2018).

Loans and advances to customers:

million

secured by deposits EUR 1.7

secured by mortgages, deposits

and securities EUR 109.5

unsecured EUR 36.8

C. Securities

In the fiscal year 2019, securities were held in the following asset items:

– Debt instruments issued by public authorities: EUR 32.6 million (EUR 34.8 million as at 31/12/2018)

– Loans and advances to credit institutions: EUR 8.8 million (EUR 5.1 million as at 31/12/2018)

– Loans and advances to customers: EUR 6.4 million (EUR 3.7 million as at 31/12/2018)

– Bonds and other fixed-interest securities: EUR 153.3 million (EUR 47.4 million as at 31/12/2018)

– Shares and other non-fixed interest securities: EUR 2.6 million (EUR 3.1 million as at 31/12/2018)

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