Notes to the consolidated financial statements

24e. Change in impairment losses

Download note 24e in XLS

Changes in impairment losses on loans and advances granted to clients in individual reporting periods have been presented below:

	Balance of impairment losses as at 1 January 2013	Recognized in the period	Derecognized in the period	Applied	Balance of impairment losses as at 31 December 2013
	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000
Overdraft facilities from clients	4,995	3,858	(852)	0	8,001
Term loans, including:	90,111	48,502	(9,551)	(12,271)	116,791
individuals	68,438	38,329	(7,709)	(11,899)	87,159
- consumer loans	46,880	25,019	(5,452)	(10,832)	55,615
- real estate loans	20,921	12,474	(2,232)	(1,065)	30,098
- credit card debt	637	836	(25)	(2)	1,446
institutional clients	21,261	10,169	(1,450)	(372)	29,608
local authorities	412	4	(392)	0	24
Total	95,106	52,360	(10,403)	(12,271)	124,792

 

	Balance of impairment losses as at 1 January 2012	Recognized in the period	Derecognized in the period	Applied	Balance of impairment losses as at 31 December 2012 (restated)
	PLN'000	PLN'000	PLN'000	PLN'000	PLN'000
Overdraft facilities from clients	3,727	2,298	(965)	(65)	4,995
Term loans, including:	76,290	41,492	(17,126)	(10,545)	90,111
individuals	58,989	30,564	(10,570)	(10,545)	68,438
- consumer loans	50,282	17,402	(10,337)	(10,467)	46,880
- real estate loans	8,574	12,620	(195)	(78)	20,921
- credit card debt	133	542	(38)	0	637
institutional clients	16,984	10,800	(6,523)	0	21,261
local authorities	317	128	(33)	0	412
Total	80,017	43,790	(18,091)	(10,610)	95,106