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## Loans and advances to customers 

## Loans and advances to customers by customer category (before loan loss allowance) are as follows: 

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## Loans and advances to customers by type of loan (before loan loss allowance) are as follows: 

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Loans and advances due within 1 year total ¤ 131,471 (2002: 106,603) mn, those due after more than 1 year total ¤ 77,213 (2002: 88,040) mn. 

Loans and advances to customers include amounts receivable under finance leases at their net investment value totaling ¤ 933 (2002: 1,104) mn. The corresponding gross investment value of these leases amounts to ¤ 1,030 (2002: 1,224) mn, the associated unreal- ized finance income is ¤ 97 (2002: 120) mn. The residual values of the entire leasing portfolio were fully insured, both in the reporting year and in the preceding year. Lease payments received have been recognized as income in the amount of ¤ 80 (2002: 141) mn. The al- lowance for uncollectable lease payments amounted to ¤ 42 (2002: 4) mn at the balance sheet date. The total amounts receivable under leasing arrangements include ¤ 114 (2002: 122) mn due within 1 year, ¤ 450 (2002: 714) mn due within 1 to 5 years, and ¤ 466 (2002: 388) mn due after more than 5 years. 

## Lending volume 

In contrast to the reporting of loans and advances, lending volume does not include reverse repos or other advances. However, this item does comprise loans extended on bills of exchange which, in turn, are not reported under loans and advances to customers or loans and advances to banks. 

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$^{*) }$Including bills of exchange amounting to ¤ 134 (2002: 277) mn, unless these are included under loans and advances to banks or customers 

## Allowance for loan losses 

The overall volume of risk provisions includes allowances for loan losses deducted from loans and advances to banks and customers in the amount of ¤ 5,725 (2002: 6,967) mn and provisions for contin- gent liabilities included in other accrued liabilities in the amount of ¤ 549 (2002: 633) mn. 

