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4. Loans

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Amounts in thousands of EUR

2012

2011

 

 

 

Loans

3,341,518

2,874,401

Provision for doubtful debts

–56,159

–36,583

 

 

 

 

 

 

 

3,285,359

2,837,818

 

 

 

This relates to loans to the private sector, excluding those to banks.

Loans classified by residual maturity:

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Amounts in thousands of EUR

2012

2011

 

 

 

Payable on demand

179,576

148,657

1 to 3 months

178,737

149,385

3 months to 1 year

250,218

216,707

1 to 5 years

834,764

653,598

Longer than 5 years

1,898,223

1,706,054

 

 

 

 

 

 

 

3,341,518

2,874,401

 

 

 

The movement of the provision for doubtful debts is as follows:

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Amounts in thousands of EUR

2012

2011

 

 

 

Balance sheet value as at 1 January

36,583

20,624

Addition

24,779

19,143

Write-off

–2,178

–835

Release

–3,096

–2,450

Exchange rate differences

71

101

 

 

 

 

 

 

Balance sheet value as at 31 December

56,159

36,583

 

 

 

The provision does not relate to contingent liabilities and irrevocable facilities. EUR 0.7 million of the addition to the provision relates to interest that has been invoiced for but that has not been received (2011: EUR 1.4 million).