71 5.2 COLLATERAL FOR LOANS AND OFF-BALANCE SHEET TRANSACTIONS AS WELL AS IMPAIRED LOANS TYPE OF COLLATERAL (in thousands of CHF) Secured by mortgage Other collateral Unsecured Total Loans (before netting with value adjustments) Amounts due from clients 12,787 4,966,200 2,329,655 7,308,642 Mortgage loans 526,190 1,225 - 527,415 – residential property 510,756 1,221 - 511,977 – commercial property 9,453 4 - 9,457 – other 5,981 - - 5,981 Total loans (before netting with value adjustments) Current year 538,977 4,967,425 2,329,655 7,836,057 Previous year 569,140 5,423,827 3,277,570 9,270,537 Total loans (after netting with value adjustments) Current year 538,977 4,812,619 2,329,654 7,681,250 Previous year 569,140 5,254,635 3,277,570 9,101,345 Off-balance sheet items Contingent liabilities 1,362,201 3,074,542 4,436,743 Irrevocable commitments 1 1,350,018 1,711,912 3,061,931 Commitment credits 28,342 91,696 967,337 1,087,375 Total off-balance sheet items Current year 28,343 2,803,915 5,753,791 8,586,049 Previous year 1 1,362,046 6,025,015 7,387,062 Impaired loans (in thousands of CHF) Gross amount Estimated liquidation value of collateral Net amount Individual value adjustments Current year 166,926 12,207 154,719 152,146 Previous year 198,417 29,477 168,940 164,756 The decrease in gross outstandings is explained by the reduction in the risk of default by ITB businesses during the past year as a result of the measures taken during the particular economic environment in 2021.
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