GB00_erste lage_E - Erste Group

Domestic credit risk by sectors
A glance at the sector distribution of the risk portfolio of the Erste Bank Group shows that the
lion’s share falls to the banking and insurance sector (39%), followed by consumers (13%), public
administration (12%) and real estate (9%). These four rather low-risk groups thus account for just
under 73% of the total portfolio of the Erste Bank Group. The rest of the sector distribution is in
line with Erste Bank’s risk policy and does not show any significant concentration relative to the
risk portfolio as a whole.
Furthermore, the distribution is a clear reflection of the strategic orientation of the Erste Bank
Group: For one, due to Erste Bank’s role as the lead bank of the Austrian savings bank sector it
has a relatively high percentage of business in banking and insurance, and the focus on private
customers is reflected by the 13% they claim of the total portfolio.
As can be seen in the above table, 65% of the volume of potentially doubtful loans are secured
by risk provisions. Taking into account existing collateral, the effective default risk is completely
covered by existing risk provisions.
Domestic
In addition to Erste Bank AG itself, we should mention the loans and advances to customers of
the following subsidiaries: Salzburger Sparkasse, s Bausparkasse, IMMORENT and EBV-Leasing.
Management Total
in EUR million Low risk attention Substandard Doubtful exposure
Banking and insurance 7,659 206 1 4 7,870
Consumers 7,001 252 165 191 7,608
Public administration 4,558 13 5 2 4,577
Real estate 2,956 762 425 107 4,251
Production of goods 2,030 338 196 84 2,647
Trade 2,046 541 139 139 2,865
Transport and communication 607 169 69 21 865
Construction 989 315 89 76 1,470
Tourism 437 234 220 76 966
Energy and water supply 202 26 10 1 238
Agriculture and forestry 72 42 12 10 135
Other 806 210 38 28 1,081
Total exposure 29,361 3,107 1,370 737 34,576
% of total 84.9% 9.0% 4.0% 2.1% 100.0%
Risk provisions 5 17 211 418 653
In % of exposure 0 0.6% 15.4% 56.8% 1.9%
Erste Bank 2000 49