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Notes to the consolidated financial statements

7. Net interest income

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  Period
from 1 January 2013 
to 31 December 2013		  Period
from 1 January 2012
to 31 December 2012
(restated)
  PLN ‘000 PLN ‘000
Income on receivables from banks 9,607 15,747
Income on receivables from clients, including: 355,103 369,012
Overdraft facilities 7,480 8,609
Credit facilities and term loans 347,623 360,403
      - individuals 294,269 289,803
      - institutional clients 37,980 47,030
      - local authorities 15,374 23,570
Revenue from investments in financial assets classified as: 58,541 65,735
available for sale 37,891 43,945
held to maturity 20,650 21,790
Revenue from financial assets held for trading 149 296
Total 423,400 450,790

In 2013 interest income on receivables including impairment amounted to PLN 14.224 thousand, while in 2012 it was PLN 12.557 thousand.

  Period
from 1 January 2013 
to 31 December 2013		  Period
from 1 January 2012
to 31 December 2012
(restated)
  PLN ‘000 PLN ‘000
Expense due to liabilities to other banks 1,729 848
Expense due to liabilities to clients, including: 156,552 207,363
from current accounts 43,503 71,848
from term deposits 113,049 135,515
      - individuals 82,795 75,359
      - institutional clients 28,780 55,559
      - local authorities 1,474 4,597
Costs of issues of debt securities and subordinated loan 21,312 15,297
Total 179,593 223,508

 

Annual Report 2013 - Bank Pocztowy