Annual Report 2013
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 |
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