4. Loans

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Amounts in thousands of EUR

2011

2010

 

 

 

Loans

2,874,401

2,148,267

Provision for doubtful debts

–36,583

–20,624

 

 

 

 

 

 

 

2,837,818

2,127,643

 

 

 

This relates to loans to the private sector, excluding those to banks.

Loans classified by residual maturity:

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Amounts in thousands of EUR

2011

2010

 

 

 

Payable on demand

148,657

89,080

1 to 3 months

149,385

55,667

3 months to 1 year

216,707

213,671

1 to 5 years

653,598

537,025

Longer than 5 years

1,706,054

1,252,824

 

 

 

 

 

 

 

2,874,401

2,148,267

 

 

 

The movement of the provision for doubtful debts is as follows:

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Amounts in thousands of EUR

2011

2010

 

 

 

Balance sheet value as at 1 January

20,624

10,392

Addition

19,143

12,076

Write-off

–835

–289

Release

–2,450

–1,598

Exchange rate differences

101

43

 

 

 

 

 

 

Balance sheet value as at 31 December

36,583

20,624

 

 

 

The provision does not relate to contingent liabilities and irrevocable facilities, EUR 1,4 million of the addition to the provision relates to interest that has been invoiced for but that has not been received (2010: EUR 0,6 million).