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At the end of 2013, receivables from customers broke down as follows:
RLB Tirol AG 2013 breakdown by sector
2013
2012
Change
Proportion
of total loans
Thousands
of euros
Thousands
of euros
Per cent
Per cent
Agriculture, forestry and cooperatives
25,320
22,094
14.6%
1.1%
Transport
129,276
119,786
7.9%
5.5%
Trade
480,858
487,414
–1.3%
20.4%
Manufacturing industry
85,929
115,330
–25.5%
3.7%
Employed persons, private
429,448
446,022
–3.7%
18.3%
Tourism and leisure industry
365,490
368,202
–0.7%
15.5%
Public sector and social insurance
143,771
160,998
–10.7%
6.1%
Self-employed persons
70,147
68,102
3.0%
3.0%
Commerce
162,773
158,854
2.5%
6.9%
Others (residential building associations and other non-banks)
459,984
458,413
0.3%
19.5%
Total
2,352,996
2,405,215
–2.2%
100.0%
Regulatory capital pursuant to Section 23 BWG
31.12.2013 31.12.2012 31.12.2011
Change
Thousands
of euros
Thousands
of euros
Thousands
of euros
Thousands
of euros
Per cent
Subscribed capital
84,950
84,950
84,950
Reserves
287,292
277,883
275,170
CORE CAPITAL
372,242
362,833
360,120
9,409
2.6%
Supplementary capital
13,752
13,752
13,752
Subordinate capital
4,086
0
0
SUPPLEMENTARY CAPITAL
17,838
13,752
13,752
4,086
29.7%
REGULATORY CAPITAL before deductions
390,080
376,585
373,872
13,495
3.6%
Deduction pursuant to Section 23 (13) BWG
–2
–2
–2
REGULATORY CAPITAL
390,078
376,583
373,870
13,495
3.6%
In the year under review, Raiffeisen-Landesbank Tirol AG’s regulatory capital rose by 3.6 per cent, or 13.50 million euros, to 390.08 million
euros.
Management report