Loan Invest N.V., SME Loan Invest 2017 - KBC.com · 2020. 6. 2. · KBC Bank NV Administrator Havenlaan 12 1080 Brussels Belgium t: 00 32 2 429 0533 f: 00 32 2 429 9970 Loan Invest

KBC Bank NVAdministratorHavenlaan 12

1080 Brussels Belgiumt: 00 32 2 429 0533f: 00 32 2 429 9970

Loan Invest N.V., SME Loan Invest 2017euro 3,920,000,000 floating rate SME Loan Backed Notes due 2052

Investor ReportReporting period: April 2020

Page 1 of 10

MONTHLY CALCULATION REPORT

Monthly Total

The Loan Portfolio

Number of Loans

Beginning of Period 28.930 28.930Scheduled Principal collected 677 677Full Prepayments 6 6Repurchased Loans 0 0Defaulted Loans during period 2 2Defaulted Loans reopend to normal 0 0End of month 28.245 28.245Delinquent Receivables at the end of the Monthly Calculation Period 41 41

0

Outstanding Principal Amount of SME loans

Beginning of Period 2.981.799.953,94 2.981.799.953,94Scheduled Principal collected 34.948.462,17 34.948.462,17Full Prepayments 12.326.851,26 12.326.851,26Partial Prepayments 0,00 0,00Principal balance of repurchased loans 0,00 0,00Principal balance of Defaulted Loans during the period 273.303,17 273.303,17Full Prepayment difference (principal) 0,00 0,00Reopening of defaulted loans (default becomes normal again) 0,00 0,00Interest capitalisation (interest becomes principal) 0,00 0,00End of Period 2.934.251.337,34 2.934.251.337,34

Principal balance of Delinquent Loans at the end of the Calculation Period 5.234.595,70 5.234.595,70Net Principal Balance of Defaulted Loans at the end of the Calculation period (net after recovery) 21.921.076,89 21.921.076,89Write-off defaulted loans 13.920,60 13.920,60

Balance of Non Defaulted Loans 2.934.251.337,34 2.934.251.337,34Balance of Non Delinquent Loans 2.929.016.741,64 2.929.016.741,64Balance of reopened Loans 0,00

Floating Rate Interest Period (31/03/20 - 30/04/20)

Page 2 of 10

Monthly Total Cash Flows

Monthly Cash FlowsPrincipal Available Amount:

Previously Principal Available Amount 7.234,83 7.234,83Principal Receipts

Repayment of principal 34.948.462,17 34.948.462,17Prepayment in full of principal 12.326.851,26 12.326.851,26Partial prepayment of principal 0,00 0,00Repurchase by the seller Receipts 0,00 0,00Principal from sale of Issuer assets 0,00 0,00Net principle proceeds on loans 0,00 0,00

Amounts to be used as indemnity for losses of scheduled principal as a result of Conmingling Risk and/or Set-Off Risk 0,00 0,00Amounts to be credited to the Principal Deficiency Ledger 273.303,17 273.303,17

Principal Available Amount 47.555.851,43 47.555.851,43

Notes Interest Available AmountRevenue Receipts

Interest, including penalty interest, sundries, on SME Receivables 6.662.372,97 6.662.372,97Interest accrued on the Transaction Account 0,00 0,00Prepayment Penalties under the SME Loans 0,00 0,00Net Proceeds on any SME Loans 85.236,60 85.236,60Amounts to be drawn from the Reserve Account on MPD 0,00 0,00Amounts to be received from the Swap on MPD 631.487,17 631.487,17Amounts received in connection to a repurchase pursuant MRPA 0,00 0,00Amounts received in connection with a sale of SME receivables pursuant Plegde Agreement 0,00 0,00Amounts received as post-foreclosure proceeds 0,00 0,00Any interest amount standing to the credit of the Issuer Collection Account 0,00 0,00Amounts used as indemnity for losses of scheduled interest on SME Receivables (as a result of Liquidity Shortfall Risk and/or Conmingling Ris 0,00 0,00

Total Note Interest Available Amount 7.379.096,74


Page 3 of 10

Monthly Total

Swap Calculation

Loan Invest Pays: (A-B)*C 4.052.124,35withA the sum of

the aggregate amount of interests received during the preceding Monthly Calculation Period 6.662.372,97the interest accrued on the transaction accounts 0,00the amounts received in respect of Prepayment penalties 0,00the amounts received in connection with a repurchase of SME Receivables 0,00the amounts received in connection to a sale of SME Receivables 0,00

Total A 6.662.372,97

B less0,25% Excess Margin on a monthly basis applied to the aggregate outstanding amount of SME receivables (ex defaulted and delinquent) 621.208,32the operating expenses set out in items (i) to (iv) in the Interest Priority of Payments 144.535,41

Total B 765.743,74

C multiplied by the ratio of: the princpal outstanding amount of the Notes 2.087.560.876,80minusthe balance of the Notes Principal Deficiency Ledger 0,00

divided bythe result of the Principal Outstanding Amount of the Notes minus the balance of the Notes Princpal Deficiency Ledger 2.087.560.876,80plus the outstanding amount of the Subordinated Loan 950.246.312,00minus the outstanding amount on the Subordinated Loan Principal Deficiency Ledger 0,00

Total C 0,687

Loan Invest Receives: (D*E) 631.487,17withD 1 month Euribor (Actual/360) -0,387%

plus spread 0,750%

Total D 0,363%

E multiplied bythe Principal Outstanding Amount of the Notes 2.087.560.876,80minusthe balance of the Notes Principal Deficiency Ledger 0,00

Total E 2.087.560.876,80

Swap Payment Date 15/05/2020 15/05/2020

Swap Collateral Amount

Collateral AmountCollateral at the end of the monthCollateral Type securities/cash


Page 4 of 10

Page 5 of 10

Monthly Total

Monthly Cash Flow Allocation

PrincipalPrincipal Available Amount 47.555.851,43 47.555.851,43

Following Amortisation or Optional redemption

Notes 0,00 0,00Subordinated Loan 0,00 0,00Expenses on Subordinated Loan 0,00 0,00

Interest

Total Funds Available 7.379.096,741 Issuers Directors 0,00 0,002 Administrator 0,00 0,003 Security Agent 0,00 0,004 Other Issuer fees Intertrust fee 5.293,75 5.293,75

NBB 0,00 0,00FSMA 0,00 0,00Servicing 124.241,66 124.241,66Legal advisor Deloitte 0,00 0,00Auditor PWC 0,00 0,00administration fee 0,00 0,00Insurance 0,00 0,00Paying Agent 0,00 0,00corporate admin fee 0,00 0,00Calculation Agent 0,00 0,00CBF-annual fee 0,00 0,00Other Issuer Costs and Expenses 0,00 0,00

Bank Charges + SBV kosten 0,00 0,00Rating Agency: DBRS/Fitch 15.000,00 15.000,00Rent: Accesso 0,00 0,00Social security / Taxes CTIF 0,00 0,00

5 Pari-passuClass A notes interest due and payable 631.487,17 631.487,17Swap Counterparty payments 4.052.124,35 4.052.124,35

6 Principal Deficiency - Notes 0,00 0,007 Payment to Reserve Fund for replenishment 0,00 0,008 Interest on Subordinated Loan 485.417,49 485.417,499 Principal Defeciency - Subordinated loan 273.303,17 273.303,17

10 Payment to Risk Mitigation Deposit for replenishment 0,00 0,0011 Swap Counterparty Default Payment 0,00 0,0012 Interest and Principal on Expense Subordinated Loan 0,00 0,0013 Dividends to Shareholders 166,66 166,6614 DPP 1.792.062,48 1.792.062,48


Page 6 of 10

Monthly Total

Capital structure

NotesNumber of Notes 15.680,00Outstanding balance at the beginning of the month 2.087.560.876,80Outstanding balance at the end of the month 2.054.276.940,80Bond - Factor at the beginning of the month 0,53254104Bond - Factor at the end of the month 0,52405024Annual interest rate for the period 0,36300%Interest payable for the mont15/05/2020 631.487,17Rating (Moody's) Aaa(sf)Rating (Fitch) AAAsf

Subordinated LoanOutstanding balance at the beginning of the month 950.246.312,00Outstanding balance at the end of the month 935.988.500,93Lening - Factor at the beginning of the month 0,55Lening - Factor at the end of the month 0,54Annual interest rate for the period 0,61300%Interest payable for the mont15/05/2020 485.417,49

Reserve Fund

Balance at the beginning of the month 56.000.000,00Payment from the Reserve Fund at the end of the month 0,00Payment to the Reserve Fund at the end of the month 0,00Balance at the end of the month 56.000.000,00

Expense Subordinated Loan

Balance at the beginning of the month 0,00 0,00Amount Repaid 0,00 0,00Balance at the end of the month 0,00 0,00

Risk Mitigation deposit

Balance at the beginning of the month 0,00Increase or decrease 0,00Balance at the end of the month 0,00


Page 7 of 10

Monthly Total

Balance SheetAssetsOutstanding principal amount of SME Loans (end of period) 2.934.251.337,34 2.934.251.337,34Reserve Fund (end of period) 56.000.000,00 56.000.000,00Cash on account after roll over 14.104,36 14.104,36Total 2.990.265.441,70 2.990.265.441,70

LiabilitiesNotes outstanding balance at the end of period 2.054.276.940,80 2.054.276.940,80Subordinated Loan outstanding at the end of the period 935.988.500,93 935.988.500,93Expenses Subordinated Loan oustanding at the end of period 0,00 0,00Total 2.990.265.441,73 2.990.265.441,73

Performance data

Defaults and delinquenciesCumulative Gross Defaults at the beginning of the period 40.961.518,11Principal balance of Defaulted Loans during the period 273.303,17Cumulative Gross Defaults at the end of the period 41.234.821,28 41.234.821,28Cumulative Gross Defaults as % of original loan balance (%) 0,73634% 0,73634%Cumulative Gross Defaults as % of current loan balance (%) 1,38288% 1,38288%

Aggregate amount of Delinquent Loans 5.234.595,70 5.234.595,70Current Delinquencies as % of initial loan balance (%) 0,12824% 0,12824%Current Delinquencies as % of current loan balance (%) 0,17840% 0,17840%

Principal Deficiency Ledger (PDL)

PDL balance at the beginning of the period 0,00Amounts to be credited to the Principal Deficiency Ledger -273.303,17Interest waterfall payment to the PDL 273.303,17Balance of the PDL at the end of the period 0,00

Subordinated Loan PDL 0,00Notes PDL 0,00


Page 8 of 10

Monthly Total

Default Statistics

Number of Loans Defaulted during the

Monthly Calculation Period

Current Balance of Loans Defaulted

during period

Percentage of Outstanding Balance

of the Loans(% of total amount)

2 273.303,17 0,0092%

Recovery Statistics

Recoveries on Defaulted loans

since closing

Recoveries as a percentage of Principal

Outstanding on Defaulted Loans

(%)316.078,98 0,77%

Prepayments as a % of current balance for reference period Annualised0,41340% 0,00000% 4,9608%

Counterparty Rating

KBC Bank as the Seller, Servicer, Subordinated Loan Provider, Administrator, Paying Agent, Domiciliary Agent, Listing Agent, Reference Agent and Swap Counterparty

DBRS FitchLong term rating A A+Short term rating R-1L F1

DBRS FitchLong term rating Aaa(sf) AAA(sf)

The Notes issued by Loan Invest NV/SA, institutionele VBS naar Belgisch recht/SIC institutionnelle de droit belge, acting through its Compartment SME Loan Invest 2017 (the "Notes") are only offered, directly or indirectly, to and may only be acquired, by direct subscription or otherwise, and may only be held by holders (“Eligible Holders”) who qualify both as (i) an institutional or professional investor within the meaning of Article 5, §3 of the Belgian Act of 20 July 2004 on certain forms of collective management of investment portfolios (wet betreffende bepaalde vormen van collectief beheer van beleggingsportefeuilles / loi relative à certaines formes de gestion collective de portefeuilles d’investissement), acting for their own account, and (ii) a holder of an exempt securities account (X-account) with the Clearing System operated by the National Bank of Belgium or with a participant in such system. Any acquisition of a Note by or transfer of a Note to a person who is not an Eligible Holder shall be void and not binding on the Issuer and the Security Agent. If a Noteholder ceases to be an Eligible Holder, it is obliged to report this to the Issuer and it will promptly transfer the Notes it holds to a person that qualifies as an Eligible Holder.Each payment of interest on Notes of which the Issuer becomes aware that they are held by a holder that does not qualify as an Eligible Holder will be suspended. Upon issuance of the Notes, the denomination of the Notes is EUR 250,000.The Notes are not being offered in the United States or to, or for the account of, U.S. persons (as defined in Regulation S under the United States Securities Act of 1933).


Page 9 of 10

Notes having a maturity of more than one year will be issued in compliance with U.S. Treasury Regulation Section 1.163-5(c)(2)(i)(C) (the “C Rules”)

Page 10 of 10

Intertrust Capital MarketsAmstel Building

Prins Bernhardplein 2001097JB Amsterdam

The Netherlands Tel. +31(0)20-5214777Fax +31(0)20-5214888

Website:www.Intertrustgroup.com

Reporting period: April 2020

Loan Invest N.V., Compartment SME Loan Invest 2017

euro 3,920,000,000 floating rate SME Loan Backed Notes due 2052

Portfolio Composition

Strictly Confidential#

DateNumber of

debtorsNumber of

loansOutstanding

balanceAverage outstandingbalance / borrower

30/04/2020 18.205 28.245 2.934.251.337,34 161.178,32

Summary


Orginiationdate Outstanding

% Outstandingbalance

Number ofloans

% Number ofloans

2003 9.204.478,02 0,31% 121 0,43%2004 16.750.300,09 0,57% 185 0,65%2005 64.302.490,97 2,19% 1.047 3,71%2006 92.128.108,84 3,14% 1.197 4,24%2007 130.149.232,08 4,44% 1.286 4,55%2008 160.507.397,19 5,47% 1.445 5,12%2009 158.878.415,47 5,41% 1.355 4,80%2010 207.857.672,25 7,08% 2.102 7,44%2011 283.235.854,78 9,65% 2.457 8,70%2012 287.927.482,90 9,81% 2.350 8,32%2013 190.722.191,50 6,50% 1.393 4,93%2014 206.141.175,39 7,03% 1.543 5,46%2015 341.750.115,26 11,65% 3.895 13,79%2016 692.512.691,29 23,60% 6.959 24,64%2017 92.183.731,31 3,14% 910 3,22%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Initialmaturity Outstanding


Number ofloans

% Number ofloans

0 < initial maturity <= 60 334.010.487,56 11,38% 10.525 37,26%60 < initial maturity <= 120 801.840.742,32 27,33% 7.660 27,12%120 < initial maturity <= 180 1.070.678.580,64 36,49% 6.667 23,60%180 < initial maturity <= 240 640.259.484,32 21,82% 3.196 11,32%240 < initial maturity <= 300 83.574.376,45 2,85% 183 0,65%300 < initial maturity <= 360 3.825.810,03 0,13% 13 0,05%360 < initial maturity <= 420 61.856,02 0,00% 1 0,00%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Orginiation date

Initial maturity (months)

Seasoning (months)


Seasoning Outstanding% Outstanding

balanceNumber of

loans% Number of

loans0 < seasoning <= 60 2.160.415.005,08 73,63% 20.661 73,15%60 < seasoning <= 120 500.968.617,90 17,07% 4.325 15,31%120 < seasoning <= 180 266.940.658,14 9,10% 3.190 11,29%180 < seasoning <= 240 5.927.056,22 0,20% 69 0,24%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Maturitydate Outstanding


Number ofloans

% Number ofloans

2015 < maturity date <= 2020 46.629.217,05 1,59% 4.113 14,56%2020 < maturity date <= 2025 767.773.836,95 26,17% 13.716 48,56%2025 < maturity date <= 2030 1.155.056.216,25 39,36% 6.882 24,37%2030 < maturity date <= 2035 786.320.454,39 26,80% 3.009 10,65%2035 < maturity date <= 2040 162.937.757,36 5,55% 499 1,77%2040 < maturity date <= 2045 14.639.410,93 0,50% 23 0,08%2045 < maturity date <= 2050 894.444,41 0,03% 3 0,01%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Final maturity date


Principal paymentfrequency Outstanding


Number ofloans

% Number ofloans

Annual 157.619.339,67 5,37% 1.940 6,87%Bullet 37.697.196,01 1,28% 45 0,16%Monthly 2.490.445.561,25 84,87% 25.266 89,45%ND 767.600,00 0,03% 1 0,00%Quaterly 202.047.777,14 6,89% 703 2,49%Semi annualy 45.673.863,27 1,56% 290 1,03%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Principal paymenttype Outstanding


Number ofloans

% Number ofloans

Bullet 81.508.805,21 2,78% 77 0,27%French 1.892.093.765,56 64,48% 18.202 64,44%Linear 960.648.766,57 32,74% 9.966 35,28%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Principal payment frequency

Principal payment type


Interestrate Outstanding


Number ofloans

% Number ofloans

0 < interest rate <= 0.5 3.926.498,47 0,13% 24 0,08%0.5 < interest rate <= 1 121.617.773,62 4,14% 631 2,23%1 < interest rate <= 1.5 503.932.613,42 17,17% 3.685 13,05%1.5 < interest rate <= 2 780.298.812,03 26,59% 8.704 30,82%2 < interest rate <= 2.5 395.357.615,25 13,47% 4.123 14,60%2.5 < interest rate <= 3 190.351.302,73 6,49% 1.895 6,71%3 < interest rate <= 3.5 146.268.083,95 4,98% 1.411 5,00%3.5 < interest rate <= 4 188.227.862,23 6,41% 1.744 6,17%4 < interest rate <= 4.5 168.482.541,29 5,74% 1.636 5,79%4.5 < interest rate <= 5 214.938.455,88 7,33% 2.108 7,46%5 < interest rate <= 5.5 136.474.019,36 4,65% 1.376 4,87%5.5 < interest rate <= 6 71.406.367,69 2,43% 757 2,68%6 < interest rate <= 6.5 9.937.915,48 0,34% 120 0,42%6.5 < interest rate <= 7 2.031.250,90 0,07% 22 0,08%7 < interest rate <= 7.5 28.787,69 0,00% 2 0,01%7.5 < interest rate <= 8 961.363,16 0,03% 4 0,01%8 < interest rate <= 8.5 5.370,42 0,00% 1 0,00%8.5 < interest rate <= 9 4.703,77 0,00% 2 0,01%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Interest resetperiod Outstanding


Number ofloans

% Number ofloans

Annual 220.532.895,96 7,52% 1.876 6,64%Not apply 1.589.391.528,70 54,17% 17.826 63,11%Other 1.124.326.912,68 38,32% 8.543 30,25%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Interest rate

Interest rate review code

Interest payment frequency


Interest paymentfrequency Outstanding


Number ofloans

% Number ofloans

Annual 166.158.039,17 5,66% 1.911 6,77%Monthly 2.463.347.618,79 83,95% 25.317 89,63%Quaterly 249.120.088,00 8,49% 724 2,56%Semi annualy 55.625.591,38 1,90% 293 1,04%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%


Currentbalance Outstanding


Number ofloans

% Number ofloans

0 < current balance <= 250000 1.364.992.296,55 46,52% 25.594 90,61%250000 < current balance <= 500000 601.196.052,28 20,49% 1.769 6,26%500000 < current balance <= 750000 271.915.681,18 9,27% 453 1,60%750000 < current balance <= 1000000 148.639.019,48 5,07% 174 0,62%1000000 < current balance <= 1250000 88.484.514,56 3,02% 80 0,28%1250000 < current balance <= 1500000 64.864.533,92 2,21% 47 0,17%1500000 < current balance <= 1750000 48.861.759,26 1,67% 30 0,11%1750000 < current balance <= 2000000 40.960.208,55 1,40% 22 0,08%2000000 < current balance <= 2250000 29.281.542,98 1,00% 14 0,05%2250000 < current balance <= 2500000 30.924.066,18 1,05% 13 0,05%2500000 < current balance <= 2750000 18.698.579,02 0,64% 7 0,02%2750000 < current balance <= 3000000 11.380.947,20 0,39% 4 0,01%3000000 < current balance <= 3250000 19.206.786,83 0,65% 6 0,02%3250000 < current balance <= 3500000 10.009.971,33 0,34% 3 0,01%3500000 < current balance <= 3750000 14.435.725,35 0,49% 4 0,01%3750000 < current balance <= 4000000 19.670.999,45 0,67% 5 0,02%4000000 < current balance <= 4250000 12.152.605,65 0,41% 3 0,01%4250000 < current balance <= 4500000 13.203.688,46 0,45% 3 0,01%4750000 < current balance <= 5000000 19.745.950,15 0,67% 4 0,01%5750000 < current balance <= 6000000 6.000.000,00 0,20% 1 0,00%8000000 < current balance <= 8250000 16.059.385,91 0,55% 2 0,01%8500000 < current balance <= 8750000 8.526.315,68 0,29% 1 0,00%9000000 < current balance <= 9250000 9.075.000,14 0,31% 1 0,00%9250000 < current balance <= 9500000 9.400.000,00 0,32% 1 0,00%10500000 < current balance <= 10750000 10.600.000,00 0,36% 1 0,00%10750000 < current balance <= 11000000 11.000.000,00 0,37% 1 0,00%16000000 < current balance <= 16250000 16.250.000,00 0,55% 1 0,00%18500000 < current balance <= 18750000 18.715.707,23 0,64% 1 0,00%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Current balance


Loanpurpose Outstanding


Number ofloans

% Number ofloans

Construction Real Estate 24.216.024,41 0,83% 172 0,61%Debt consolidation 35.051.295,89 1,19% 110 0,39%Investment Mortgage 106.328.576,15 3,62% 874 3,09%ND 1.689.623,88 0,06% 15 0,05%Other 10.925.448,96 0,37% 286 1,01%Purchase 2.171.634.046,73 74,01% 21.366 75,65%Re‐mortgage 292.724.192,67 9,98% 1.315 4,66%Re‐mortgage on Different Terms 5.917.351,93 0,20% 68 0,24%Renovation 161.436.814,21 5,50% 2.911 10,31%Working Capital 124.327.962,51 4,24% 1.128 3,99%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Region Outstanding% Outstanding

balanceNumber of

loans% Number of

loansBrussels 244.006.008,95 8,32% 1.339 4,74%Flanders 2.547.959.596,35 86,84% 25.591 90,60%UNKNOWN 1.717,97 0,00% 1 0,00%Wallonië 142.284.014,07 4,85% 1.314 4,65%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

PD Outstanding% Outstanding

balanceNumber of

loans% Number of

loans01 139.685.748,70 4,76% 2.491 8,82%02 460.571.858,68 15,70% 6.430 22,77%03 582.991.665,04 19,87% 5.172 18,31%04 589.977.257,83 20,11% 5.089 18,02%05 484.440.100,61 16,51% 3.605 12,76%06 283.274.801,31 9,65% 2.250 7,97%

Loan purpose

Region

Borrower PD class


07 184.192.370,44 6,28% 1.537 5,44%08 76.332.362,19 2,60% 645 2,28%09 89.688.585,34 3,06% 696 2,46%10 36.280.665,92 1,24% 278 0,98%11 6.601.889,36 0,22% 51 0,18%12 214.031,92 0,01% 1 0,00%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Segment Outstanding% Outstanding

balanceNumber of

loans% Number of

loansBDR 439.458.318,54 14,98% 1.011 3,58%PLN 2.494.793.018,80 85,02% 27.234 96,42%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%

Industry Outstanding% Outstanding

balanceNumber of

loans% Number of

loansAgriculture, farming, fishing 429.064.381,41 14,62% 6.216 22,01%Authorities 29.753.673,81 1,01% 17 0,06%Automotive 69.653.533,39 2,37% 761 2,69%Aviation 471.016,45 0,02% 8 0,03%Beverages 6.910.867,48 0,24% 22 0,08%Building & construction 171.139.316,03 5,83% 2.814 9,96%Chemicals 13.019.438,40 0,44% 87 0,31%Consumer products 2.232.036,65 0,08% 27 0,10%Distibution 421.578.181,08 14,37% 3.911 13,85%Electricity 27.652.977,88 0,94% 71 0,25%Electrotechnics 9.843.020,11 0,34% 103 0,36%Finance and insurance 119.640.654,81 4,08% 910 3,22%Food producers 64.942.030,71 2,21% 402 1,42%Horeca 139.051.112,17 4,74% 1.297 4,59%IT 7.208.856,21 0,25% 110 0,39%Machinery & heavy equipment 8.383.568,42 0,29% 116 0,41%Media 7.209.763,89 0,25% 119 0,42%Metals 37.652.136,95 1,28% 392 1,39%

Borrower segment

Industry


Oil, gas & other fuels 180.166,62 0,01% 2 0,01%Paper & pulp 1.505.073,89 0,05% 17 0,06%Real estate 477.092.292,58 16,26% 2.542 9,00%Sector unknown 15.465.130,80 0,53% 352 1,25%Services 795.622.499,85 27,12% 7.319 25,91%Shipping 37.083.200,75 1,26% 121 0,43%Telecom 416.870,06 0,01% 9 0,03%Textile & apparel 7.261.971,33 0,25% 98 0,35%Timber & wooden furniture 15.291.634,48 0,52% 189 0,67%Traders 16.542.077,12 0,56% 206 0,73%Water 2.383.854,01 0,08% 7 0,02%

Grand total 2.934.251.337,34 100,00% 28.245 100,00%


Borrower Outstanding% Outstanding

balanceNumber of

loans% Number of

loansJU;U[2L<T&EBUNV+)M](`& 18.715.707,23 0,64% 1 0,00%PCW[[7M&9^'97]O$_0)#R& 16.700.000,01 0,57% 4 0,01%I'!?)91$01%^FHN)Y;W'O, 16.250.000,00 0,55% 1 0,00%AL>#.+&:^=_9=-V^Q*<?* 16.059.385,91 0,55% 2 0,01%JLYKK7T.&3\64I0!6K[IQ( 11.800.000,00 0,40% 3 0,01%N1^"+L2$,.HQC9DS?C;/&+ 11.000.000,00 0,37% 1 0,00%FUJD%H020B"V)=AW<,!=; 9.400.000,00 0,32% 1 0,00%OD"LZ!M_)8.Y;>>/ZG*F^! 9.075.000,14 0,31% 1 0,00%I(ZD1#NF8H`U&4#\UK7[J$ 8.526.315,68 0,29% 1 0,00%B)Y)NGK:-;^\<@%QNM;XG 8.383.000,00 0,29% 3 0,01%F+CF>M>H/@31;BS*JU$RD 7.708.163,13 0,26% 3 0,01%NJ%%VC=37Z0A:OJ8"X=% 7.576.471,82 0,26% 4 0,01%K:AFB\'42OS7^-7*4T=_P, 7.103.289,51 0,24% 15 0,05%C:$95(99T#62SS^5[48S%/ 6.372.122,92 0,22% 2 0,01%P:M[3)LD1_)B.?Y>Z'`ID* 6.000.000,00 0,20% 1 0,00%P,=8CRS9C*?E!1\$_B,'1! 5.125.000,00 0,17% 2 0,01%EV'.G..X0?MWV^()?_#P\0 4.875.000,00 0,17% 1 0,00%FJ*_7#P:-J/E<_SO4"C7!" 4.870.950,15 0,17% 1 0,00%NRFHKET5[-J^((1;(PS)N% 4.855.652,04 0,17% 2 0,01%Others 2.753.855.278,80 93,85% 28.196 99,83%

Grand Total 2.934.251.337,34 100,00% 28.245 100,00%

Exposure to 20 biggest borrowers

Documents

Loan Invest N.V., SME Loan Invest 2017 - KBC.com · 2020. 6. 2. · KBC Bank NV Administrator Havenlaan 12 1080 Brussels Belgium t: 00 32 2 429 0533 f: 00 32 2 429 9970 Loan Invest