currencies Total loans Retail SME 72266 23988 15625 858 1619 114355 Austria

Currencies total loans retail sme 72266 23988 15625

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currencies Total loans Retail & SME 72,266 23,988 15,625 858 1,619 114,355 Austria 52,815 0 11,172 223 1,594 65,803 Erste Bank Österreich 23,598 0 4,061 73 468 28,199 Savings Banks 29,217 0 7,112 150 1,125 37,604 Central and Eastern Europe 19,451 23,988 4,453 636 25 48,552 Czech Republic 637 16,497 2 44 7 17,187 Romania 6,765 4,208 0 176 10 11,160 Slovakia 6,199 0 5 9 4 6,217 Hungary 1,559 1,860 3,654 13 2 7,088 Croatia 3,936 1,192 772 14 2 5,917 Serbia 346 116 18 4 0 486 Ukraine 8 114 0 376 0 497 Group Corporate & Investment Banking 15,615 1,124 331 1,841 894 19,805 Group Markets 126 13 22 35 29 225 Corporate Center 363 0 0 0 2 365 Total 88,369 25,125 15,978 2,735 2,543 134,750
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178 Securitisations As of 31 December 2012, Erste Group has a conservative portfo- lio of securitised assets and their derivatives. There were no new investments undertaken and all repayments were made as sched- uled in 2012. As at year-end 2012, the carrying amount of Erste Group’s secu- ritisation portfolio totalled EUR 1.5 billion which was EUR 0.3 billion lower than at the end of 2011. Changes in the carrying amount were due to repayments, currency effects, changes in prices and disposals of assets. The proportion of the portfolio which was rated investment grade increased from 85.9% as of 31 December of 2011 to 88.1% as of 31 December 2012. Only 4.2% of the assets are rated CCC or below. As of 31 December 2012 and 31 December 2011 the composition of the total portfolio of securitised assets according to products and balance sheet line items is as follows: 2012 Financial assets Loans and advances to customers and credit institutions Held to maturity At fair value through profit or loss Available for sale Trading assets Total in EUR million carrying amount fair value carrying amount fair value fair value 1) fair value 1) fair value 1) carrying amount fair value Prime RMBS 0 0 207 174 1 129 26 364 331 CMBS 0 0 49 37 1 58 2 110 98 SME ABS 0 0 16 9 1 20 2 38 31 Leasing ABS 0 0 14 14 0 3 0 17 17 Other ABS 0 0 13 13 2 36 1 52 52 CLOs 0 0 0 0 43 754 0 797 797 Other CDOs 0 0 0 0 0 3 0 3 3 Other RMBS 0 0 0 0 1 14 2 17 17 Total ABS / CDO 0 0 299 247 49 1,016 34 1,397 1,345 Student loans 0 0 0 0 1 133 0 134 134 Total securitisations 2) 0 0 299 247 50 1,149 34 1,531 1,479 1) Carrying amount is equal to fair value. 2) Including cash from funds. 2011 Financial assets Loans and advances to customers and credit institutions Held to maturity At fair value through profit or loss Available for sale Trading assets Total in EUR million carrying amount fair value carrying amount fair value fair value 1) fair value 1) fair value 1) carrying amount fair value Prime RMBS 9 9 269 201 4 203 15 500 432 CMBS 0 0 81 52 12 94 11 198 169 SME ABS 0 0 19 11 1 40 1 61 53 Leasing ABS 0 0 21 14 0 4 0 25 18 Other ABS 0 0 37 33 8 55 8 108 104 CLOs 0 0 0 0 47 727 1 775 775 Other CDOs 0 0 0 0 0 3 0 3 3 Other RMBS 0 0 0 0 2 13 4 19 19 Total ABS / CDO 9 9 427 311 74 1,139 40 1,689 1,573 Student loans 0 0 0 0 1 154 0 155 155 Total securitisations 2) 9 9 427 311 75 1,293 40 1,844 1,728 1) Carrying amount is equal to fair value. 2) Including cash from funds.
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CEO Letter | Management Board | Supervisory Board Report | Capital Markets | Strategy | Management Report | Segments | Society | Customers | Employees | Environment | Corporate Governance | Financial Statements 179 European prime residential mortgage backed securities (Prime RMBS) Prime RMBS are securitisations which are backed by mortgages on residential real estate. Erste Group is primarily invested in this
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  • Capital requirement, Tier 1 capital, Erste Group Bank AG, Erste Group

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