Annual Report 2013
Poll
Notes to the consolidated financial statements
24a. Loans and advances granted to clients (by type)
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 |
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