01 I I
Private individuals
Trade, industry and services
Food agri
Financial assets
1
Breakdown of amounts due to customers, at year-end 2006
The growth of the mortgage portfolio was an important
driver for the 13% increase in lending to private individuals to
EUR 166.1 (146.5) billion. The private mortgage portfolio grew
by 12% to EUR 160.9 (143.1) billion. Further growth of the
international retail banking business caused a 26% increase in
lending to private individuals abroad, to EUR 3.3 (2.6) billion.
More loans were granted to producers of durables and to
the real estate sector. This contributed to the growth in
lending to businesses in the trade, industry and services
(TIS) sector by 27% to EUR 105.5 (83.3) billion.
Lending to the food agri sector covers the complete chain
from the primary agricultural sector up to and including
food retail. Lending in this sector grew by 9% to EUR 52.5
(48.2) billion. The growth in food agri was mainly
achieved abroad, where lending increased by 15%. The
increase in lending to meat producers and the dairy farming
sectors made a strong contribution to the growth in lending
to the primary agricultural sector.
Of private sector lending, 68%, or EUR 220.9 (200.7) billion,
was granted to domestic retail banking customers. The
wholesale banking business and the international retail
banking business together granted 23% of total loans, and
leasing and real estate 5% and 3%, respectively. Other Group
units granted 1% of lending.
Financial assets comprise shares, bonds, money market
paper, short-term government paper and other types of
securities. These financial assets are subdivided into the
following categories:
- Trading financial assets;
- Available-for-sale financial assets;
- Other financial assets at fair value through profit and loss;
- Held-to-maturity financial assets.
The financial assets increased by 2% in the year under
review, to EUR 108.8 (107.0) billion.
Around one third of these financial assets - EUR 36.8 (39.0)
billion - is held for trading. Value changes in these items
are taken directly to the profit and loss account.
At EUR 49.0 (48.6) billion, the item available-for-sale financial
Lending by sector, at year-end 2006
in EUR billions
250
200
150
100
50
0
2004 2005
Food agri
TIS
Private individuals
Savings, at year-end 2006
in EUR billions
100
80
40
2004 2005 2006
Other
Roparco
Fixed-term deposits
Savings accounts
Telesavings
Internet saving
^^Kavings 42%
I Current accounts/settlement accounts 24%
Time deposits 21%
I Other amounts due to customers 9%
Repurchase transactions 4%
Financial developments 21
