Annual Report 2013
Poll
Notes to the consolidated financial statements
24e. Change in impairment losses
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 |
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