24
Management report
At the end of 2014, receivables from customers broke down as follows:
RLB Tirol AG 2014 breakdown by sector
2014
2013
Change Proportion of
total loans
Thousands of
euros
Thousands of
euros
Per cent
Per cent
Agriculture, forestry and cooperatives
25,489
25,568
–0.3%
1.1%
Transport
141,678
128,830
10.0%
6.0%
Trade
476,935
482,491
–1.2%
20.3%
Manufacturing industry
98,548
85,798
14.9%
4.2%
Employed persons, private
436,114
432,257
0.9%
18.5%
Tourism and leisure industry
372,201
365,780
1.8%
15.8%
Public sector and social insurance
108,971
142,493
–23.5%
4.6%
Self-employed persons
57,081
70,309
–18.8%
2.4%
Commerce
158,632
163,573
–3.0%
6.8%
Others (residential building associations and other non-banks)
481,910
461,597
4.4%
20.5%
Liability reserve pursuant to section 57, paragraph 1 of the
BWG (banking act)
–4,200
–5,700
–26.3%
–0.2%
Total
2,353,359
2,352,996
0.0%
100.0%
Regulatory capital (pursuant to article 25 CRR)
31.12.2014 31.12.2013 31.12.2012
Change
Thousands of
euros
Thousands of
euros
Thousands of
euros
Thousands of
euros
Per cent
Subscribed capital
84,950
84,950
84,950
Reserves
296,594
287,292
277,883
CORE CAPITAL
381,544
372,242
362,833
9,302
2.5%
SUPPLEMENTARY CAPITAL
29,503
17,838
13,752
11,665
65.4%
REGULATORY CAPITAL before deductions
411,047
390,080
376,585
20,967
5.4%
Deductions
0
–2
–2
REGULATORY CAPITAL
411,047
390,078
376,583
20,969
5.4%
