Notes to the consolidated financial statements

24c. Loans and advances granted to clients by method of estimating the impairment loss

Download note 24c in XLS

Balance as at 31 December 2013	Loans and advances granted to customers (gross value)		Impairment loss			Loans and advances granted to customers (net value)
	assessed invididually	assessed collectively	assessed invididually	assessed collectively		assessed invididually	assessed collectively	Total
				no indications of impairment	indication of impairment
	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000
Overdraft facilities from clients	5,567	74,059	2,359	837	4,805	3,208	68,417	71,625
Term loans, including:	65,199	5,035,679	23,931	14,014	78,846	41,268	4,942,819	4,984,087
individuals	6,012	4,099,680	2,921	11,306	72,932	3,091	4,015,442	4,018,533
- consumer loans	6,012	1,717,104	2,921	8,386	44,308	3,091	1,664,410	1,667,501
- real estate loans	0	2,367,726	0	2,751	27,347	0	2,337,628	2,337,628
- credit card debt	0	14,850	0	169	1,277	0	13,404	13,404
institutional clients	59,187	579,385	21,010	2,684	5,914	38,177	570,787	608,964
local authorities	0	356,614	0	24	0	0	356,590	356,590
Total	70,766	5,109,738	26,290	14,851	83,651	44,476	5,011,236	5,055,712

 

Balance as at 31 December 2012 (restated)	Loans and advances granted to customers (gross value)		Impairment loss			Loans and advances granted to customers (net value)
	assessed invididually	assessed collectively	assessed invididually	assessed collectively		assessed invididually	assessed collectively	Total
				no indications of impairment	indication of impairment
	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000
Overdraft facilities from clients	7,867	61,512	1,984	453	2,558	5,883	58,501	64,384
Term loans, including:	42,531	4,582,741	14,563	14,390	61,158	27,968	4,507,193	4,535,161
individuals	0	3,564,369	0	11,792	56,646	0	3,495,931	3,495,931
- consumer loans	0	1,408,506	0	6,353	40,527	0	1,361,626	1,361,626
- real estate loans	0	2,145,044	0	5,316	15,605	0	2,124,123	2,124,123
- credit card debt	0	10,819	0	123	514	0	10,182	10,182
institutional clients	42,531	604,940	14,563	2,186	4,512	27,968	598,242	626,210
local authorities	0	413,432	0	412	0	0	413,020	413,020
Total	50,398	4,644,253	16,547	14,843	63,716	33,851	4,565,694	4,599,545

Individually significant exposures with indications of impairment, but with but finally no impairment detected are included in collective calculation of impairment losses arising from incurred but unreported losses (IBNR).