Annual Report 2013
Poll
Notes to the consolidated financial statements
7. Net interest income
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
Corporate Governance
- Corporate governance: principles and scope of application
- Control system in the process of preparing financial statements
- Entity authorized to audit financial statements
- Shareholding structure and share capital
- Key information regarding Poczta Polska S.A.
- Cooperation with Poczta Polska S.A.
- Investor relations
- By-laws amending principles
- Activities of the corporate bodies of the Bank