Bank Austria Creditanstalt - Annual Report 2005 - Portfolio structure by sector

The following table shows the total risk exposure of Bank Austria Creditanstalt on 31 December 2005 by internal rating class The following table shows the total risk exposure of Bank Austria Creditanstalt on 31 December 2005 by internal rating class and sector. The risk volume is well diversified:

Portfolio structure of the Bank Austria Creditanstalt Group by sector
€ bn	Risk class
Sector	No identifiable default risk	Substandard	Doubtful	Non-performing/ uncollectible	Total
	1−5	6–7	8	9 - 10
Banks	53.3	0.7	0.0	0.1	54.1
Consumers	18.5	2.0	0.2	0.9	21.7
Public administration	17.4	0.2	0.0	0.1	17.7
Real estate	11.2	1.6	0.0	0.6	13.3
Trade and commerce	8.3	1.4	0.0	0.9	10.7
Other services for businesses	4.0	1.1	0.0	0.5	5.6
Transport and communication	4.0	0.9	0.0	0.1	5.0
Metal-working industry and mechanical engineering	4.0	0.3	0.0	0.4	4.8
Other goods	3.8	0.3	0.0	0.4	4.6
Mineral oil, plastics	4.2	0.1	0.0	0.2	4.5
Construction	3.3	0.6	0.0	0.4	4.3
Energy and water supply	3.9	0.1	0.0	0.0	4.0
Automotive industry	2.3	0.2	0.0	0.1	2.7
Glass, ceramics, stone, earths	2.3	0.0	0.0	0.4	2.7
Food, beverages and tobacco	2.2	0.3	0.0	0.1	2.6
Paper, publishing, printers, data carrier duplication	2.0	0.1	0.0	0.1	2.2
Other financial services	1.6	0.1	0.0	0.0	1.7
Tourism	0.8	0.5	0.0	0.2	1.5
Agriculture, mining	1.0	0.2	0.0	0.1	1.3
Total 2005	148.1	10.8	0.5	5.6	165.0
in %	89.8%	6.5%	0.3%	3.4%	100.0%
of which unsecured	122.4	6.1	0.3	4.2	133.0
in %	82.6%	56.9%	69.9%	74.8%	80.6%

Portfolio structure of the Bank Austria Creditanstalt Group by sector