Poll

Notes to the consolidated financial statements

24d. Loans and advances granted to customers (by indication of impairment)

Balance as at 31 December 2013	Loans and advances granted to (gross value)		Impairment loss		Loans and advances granted to customers (net value)
	impaired	not impaired	impaired	not impaired	impaired	not impaired	Total
	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000
Overdraft facilities from clients	16,409	63,217	7,164	837	9,245	62,380	71,625
Term loans, including:	260,832	4,840,046	102,777	14,014	158,055	4,826,032	4,984,087
individuals	189,362	3,916,330	75,853	11,306	113,509	3,905,024	4,018,533
- consumer loans	114,152	1,608,964	47,229	8,386	66,923	1,600,578	1,667,501
- real estate loans	72,761	2,294,965	27,347	2,751	45,414	2,292,214	2,337,628
- credit card debt	2,449	12,401	1,277	169	1,172	12,232	13,404
institutional clients	71,470	567,102	26,924	2,684	44,546	564,418	608,964
local authorities	0	356,614	0	24	0	356,590	356,590
Total	277,241	4,903,263	109,941	14,851	167,300	4,888,412	5,055,712

Balance as at 31 December 2012 (restated)	Loans and advances granted to (gross value)		Impairment loss		Loans and advances granted to customers (net value)
	impaired	not impaired	impaired	not impaired	impaired	not impaired	Total
	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000
Overdraft facilities from clients	14,899	54,480	4,542	453	10,357	54,027	64,384
Term loans, including:	206,878	4,418,394	75,721	14,390	131,157	4,404,004	4,535,161
individuals	154,886	3,409,483	56,646	11,792	98,240	3,397,691	3,495,931
- consumer loans	100,924	1,307,582	40,527	6,353	60,397	1,301,229	1,361,626
- real estate loans	52,870	2,092,174	15,605	5,316	37,265	2,086,858	2,124,123
- credit card debt	1,092	9,727	514	123	578	9,604	10,182
institutional clients	51,992	595,479	19,075	2,186	32,917	593,293	626,210
local authorities	0	413,432	0	412	0	413,020	413,020
Total	221,777	4,472,874	80,263	14,843	141,514	4,458,031	4,599,545