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Management report
As at the end of 2015, receivables from customers broke down as follows:
RLB Tirol AG 2015 breakdown by sector
2015
2014
Change Proportion of
total loans
Thousands of
euros
Thousands of
euros
Per cent
Per cent
Agriculture, forestry and cooperatives
25,826
25,444
1.5%
1.1%
Transport
156,620
141,420
10.7%
6.5%
Trade
473,221
476,081
–0.6%
19.6%
Manufacturing industry
84,212
98,370
–14.4%
3.5%
Employed persons, private
457,357
435,359
5.1%
19.0%
Tourism and leisure industry
401,707
371,539
8.1%
16.6%
Public-sector and social insurance
113,260
108,774
4.1%
4.7%
Self-employed persons
61,773
56,979
8.4%
2.6%
Commerce
158,568
158,353
0.1%
6.6%
Other (residential building associations and other non-banks)
480,809
481,040
0.0%
19.9%
Total
2,413,353
2,353,359
2.5%
100.0%
Regulatory capital (pursuant to article 25 of the CRR)
31.12.2015 31.12.2014
Change
Thousands of
euros
Thousands of
euros
Thousands of
euros
Per cent
Subscribed capital
84,950
84,950
Reserves
79,343
79,343
Core capital
153,680
145,160
Supplementary capital
72,926
72,091
CORE CAPITAL before deductions
390,899
381,544
9,355
2.5%
Deductions
–192
0
CORE CAPITAL
390,707
381,544
9,163
2.4%
SUPPLEMENTARY CAPITAL before deductions
33,245
29,573
Deductions
–832
–70
SUPPLEMENTARY CAPITAL
32,413
29,503
2,910
9.9%
REGULATORY CAPITAL
423,120
411,047
12,073
2.9%
On the assets side, higher loans and advances to banks and
customers in particular, as well as the securities portfolio, con-
tributed to an upward trend. Receivables from banks increased
from 2,595 million euros to 2,786 million euros. This constitutes
an increase of 7.4 per cent. Receivables from customers totalled
2,413 million euros in 2015, thereby generating an increase of
60 million euros, or 2.5 per cent, compared to 2014. In addition
to that, securities holdings increased by 7.3 per cent from 1,783
million euros to 1,914 million euros. Participating interests, in-
cluding shares in affiliated companies, were 10.0 per cent down
on the previous year and totalled 207 million euros as at 31 De-
cember 2015. Other assets, too, endured a negative trend that
reduced them from 118 million euros to 103 million euros, a de-
cline of 12.7 per cent.