Notes to the consolidated financial statements

24a. Loans and advances granted to clients (by type)

Download note 24a in XLS

Structure by type	Balance as at 31 December 2013	Balance as at 31 December 2012 (restated)
	PLN'000	PLN'000
Overdraft facilities from clients	79,626	69,379
Term loans, including:	5,100,878	4,625,272
individuals	4,105,692	3,564,369
- consumer loans	1,723,116	1,408,506
- real estate loans	2,367,726	2,145,044
- credit card debt	14,850	10,819
institutional clients	638,572	647,471
- real estate loans	293,502	232,995
- operating loans	96,644	95,638
- investment loans	161,494	246,670
- mortgage loans	58,993	66,864
- other loans (car loans, receivables purchased)	27,939	5,304
local authorities	356,614	413,432
- real estate loans	664	820
- operating loans	2,611	26,991
- investment loans	353,339	385,621
Gross loans and advances	5,180,504	4,694,651
Net impairment allow ances on receivables	124,792	95,106
Net loans and advances	5,055,712	4,599,545