GB00_erste lage_E - Erste Group

LARGE CORPORATE CUSTOMERS
Credit risk at the Erste Bank Group
The new classification system for customer risk introduced at Erste Bank AG in 1999 was implemented
at significant (domestic) subsidiaries in 2000 as well.
Consequently, it is now possible to provide detailed information at the Group level on asset
quality and sector distribution. As the existing classification of the customer portfolio at Česká
spořitelna, a.s. is similar to that used by the Erste Bank Group, the exposure represented by this
subsidiary acquired in financial 2000 was also included.
The following table includes all loans and advances to credit institutions and customers as
well as all fixed-income securities (irrespective of whether they are assigned to the trading portfolio,
investment available for sale or financial investments) and off-balance-sheet credit risks
(warranties, guarantees and letters of credit).
Credit risk at the Erste Bank Group
Management Total
in EUR million Low risk attention Substandard Doubtful exposure
Banking and insurance 24,725 1,017 84 109 25,935
Consumers 8,183 279 179 241 8,882
Public administration 8,069 211 25 45 8,350
Real estate 4,272 951 449 138 5,810
Production of goods 3,595 688 277 235 4,795
Trade 2,594 636 183 292 3,705
Transport and communication 1,427 327 165 84 2,003
Construction 1,064 351 114 110 1,639
Tourism 715 370 235 124 1,444
Energy and water supply 1,063 170 22 3 1,258
Agriculture and forestry 210 82 30 37 359
Other 2,139 365 144 119 2,767
Total exposure as of 31 Dec 2000 58,056 5,447 1,907 1,537 66,947
% of total 86.7% 8.1% 2.9% 2.3% 100.0%
Risk provisions for 2000 180 55 335 998 1,568
In % of exposure 0.3% 1.0% 17.6% 64.9% 2.3%
Total exposure as of 31 Dec 1999 42,122 4,819 2,208 1,037 50,185
% of total 83.9% 9.6% 4.4% 2.1% 100.0%
Risk provisions for 1999 – – – – 971
In % of total volume – – – – 1.9%
This distribution is based on customer-specific risk, i.e. existing collateralisation—typically accounted
for under business risk (transaction risk)—was not included in the above table.
48 Erste Bank 2000