GENERAL MEETING DRAFT - Bankier.pl

The following table shows the percentage of impaired loans on total loans to customers broken down by
asset type.
Loans and receivables with customers: impaired loans as a percentage of total loans
Amounts as at 12.31.2009
(� million)
Impaired loans
Type of transactions/Values Performing Impaired Total to total loans
Current accounts 52,338 6,494 58,832 11.04%
Repos 15,949 13 15,962 0.08%
Mortgages
Credit cards and personal loans, including
193,944 10,877 204,821 5.31%
wage assignement loans 18,827 438 19,265 2.27%
Finance leases 30,807 2,906 33,713 8.62%
Factoring 8,587 190 8,777 2.16%
Other transactions 198,517 9,929 208,446 4.76%
Debt securities 14,968 202 15,170 1.33%
Structured securities 3,946 4 3,950 0.10%
Other debt securities 11,022 198 11,220 1.76%
Total 533,937 31,049 564,986 5.50%
For details see the Report on operations or Part E) Risk and related risk management policies – Credit
quality. The above table shows an impact of impaired loans to total loans of 5.50%.
7.1 Loans and receivables with customers: product breakdown (� '000)
Amounts as at 12.31.2009 Amounts as at 12.31.2008
Type of transactions/Values Performing Impaired Performing Impaired
1. Current accounts 52,337,846 6,494,393 63,794,080 5,213,826
2. Reverse Repos 15,949,212 13,330 9,717,136 7,512
3. Mortgages 193,943,047 10,876,194 202,380,440 6,689,505
4. Credit cards and personal loans, including wage
assignement loans 18,826,947 438,051 20,353,806 522,626
5. Finance leases 30,807,378 2,906,489 32,672,060 1,455,463
6. Factoring 8,587,291 190,343 4,344,106 120,172
7. Other transactions 198,516,726 9,928,502 242,796,164 5,712,454
8. Debt securities 14,968,410 201,856 16,594,536 106,527
8.1 Structured securities 3,946,322 3,682 400,267 11,221
8.2 Other debt securities 11,022,088 198,174 16,194,269 95,306
Total (carrying amount) 533,936,857 31,049,158 592,652,328 19,828,085
Total (Fair value ) 545,159,619 31,049,158 596,082,731 19,828,085
The �4,313m increase in item 6. Factoring is almost entirely attributable to advances to sellers, pursuant to new Banca d’Italia regulations concerning
financial intermediaries’ accounts (Italian Consolidated Banking Act, Section 107) and further clarification received. As at December 2008 these items had
been recognized under item 1. Current Accounts (in the amount of �3,872m).
The sub-item 7. Other transactions includes:
� �24,754m for advances to ordinary customers;
� �27,316m for pooled transactions;
� �66,907m for other non-current account loans
Sub-items 7. “Other transactions” and 8.2 “Other Debt Securities” include � 623m and � 421m respectively arising from the “Trevi Finance”, “Trevi Finance
2” and “Trevi Finance 3” securitization transactions, in respect of which the underlying assets were not re-recognized in the accounts, since the
transactions were performed before January 1, 2002. An Italian Government bond partly guarantees the securities of item 8.2 for � 170m.
The assets underlying these securitization transactions are non-performing loans, whose carrying amount was �1,005m at December 31, 2009, as against
a face value of � 4,578m.
2009 CONSOLIDATED REPORTS AND ACCOUNTS
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