By using our website you agree that we can place cookies on your device. More information including how to disable cookies is available in our Cookie Statement

4. Loans

Download XLS

Amounts in thousands of EUR

2013

2012

 

 

 

Loans

3,606,765

3,341,518

Provision for doubtful debts

–62,049

–56,159

 

 

 

 

 

 

 

3,544,716

3,285,359

 

 

 

This relates to loans to customers versus loans to banks,

Loans classified by residual maturity:

Download XLS

Amounts in thousands of EUR

2013

2012

 

 

 

Payable on demand

210,440

179,576

1 to 3 months

97,402

178,737

3 months to 1 year

209,466

250,218

1 to 5 years

1,035,913

834,764

Longer than 5 years

2,053,544

1,898,223

 

 

 

 

 

 

 

3,606,765

3,341,518

 

 

 

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

Download XLS

Amounts in thousands of EUR

2013

2012

 

 

 

Balance sheet value as at 1 January

56,159

36,583

Addition

22,189

24,779

Write-off

–12,040

–2,178

Release

–4,221

–3,096

Exchange rate differences

–38

71

 

 

 

 

 

 

Balance sheet value as at 31 December

62,049

56,159

 

 

 

The provision does not relate to contingent liabilities and irrevocable facilities. In the provision for doubtful debts is included an Incurred But Not Reported (IBNR) provision in the amount of EUR 0.8 million (2012: nill). EUR 1.1 million of the addition to the provision relates to interest that has been invoiced but has not been received (2012: EUR 0.7 million).