2021

2020

Loans

8,896,871

8,046,008

Allowance for ECL

-41,563

-46,543

Balance sheet value as at 31 December

8,855,308

7,999,465

 

2021

2020

 

Gross carrying amount

Allowance for ECL

Carrying amount

Gross carrying amount

Allowance for ECL

Carrying amount

Corporate loans

4,955,244

-38,043

4,917,201

4,912,146

-42,137

4,870,009

Mortgage lending

3,621,128

-1,078

3,620,050

2,739,930

-1,650

2,738,280

Municipality loans

138,628

-

138,628

252,700

-

252,700

Current accounts and credit cards

181,190

-2,442

178,748

118,907

-2,756

116,151

Municipality loans

-14,709

-

-14,709

5,286

-

5,286

Interest receivables

15,390

-

15,390

17,039

-

17,039

Balance sheet value as at 31 December

8,896,871

-41,563

8,855,308

8,046,008

-46,543

7,999,465

Loans classified by residual maturity:

 

2021

2020

Payable on demand

181,837

129,353

1 to 3 months

482,181

583,095

3 months to 1 year

770,856

739,036

1 to 5 years

3,104,344

2,754,583

Longer than 5 years

4,316,090

3,793,398

Balance sheet value as at 31 December

8,855,308

7,999,465

EUR 65.0 million (2020: EUR 252.7 million) of the loans relates to loans to local authorities with a maximum original maturity of one year and one day.

The loans and advances to customers includes an amount of EUR 33.2 million (2020: EUR 37.9 million) regarding loans provided to consolidated participating interests.

A breakdown related to received collateral, relevant industries, sectors and per geographic region can be found in the pillar 3 report 2021 which can be found on the website of Triodos Bank.