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Notes to the consolidated financial statements

23.5. Change in impairment allowances

Download note 23.5 in XLS

Changes in impairment allowances on loans and advances to customers in individual reporting periods have been presented below:

	Balance of impairment allowances as at 1 January 2014	Recognized in the period	Derecognized in the period	Applied*	Balance of impairment allowances as at 31 December 2014
	PLN’000	PLN’000	PLN’000	PLN’000	PLN’000
individuals	89,997	60,138	(11,336)	(12,178)	126,621
- overdraft facilities	2,838	1,808	(1,180)	0	3,466
- consumer loans	55,615	49,709	(6,428)	(12,178)	86,718
- real estate loans	30,098	7,426	(3,463)	0	34,061
-credit card debt	1,446	1,195	(265)	0	2,376
institutional clients	34,771	17,413	(4,749)	(213)	47,222
local authorities	24	45	(4)	0	65
Total	124,792	77,596	(16,089)	(12,391)	173,908

* Amounts charged to provisions and sale of receivables

	Balance of impairment allowances as at 1 January 2013	Recognized in the period	Derecognized in the period	Applied*	Balance of impairment allowances as at 31 December 2013
	PLN’000	PLN’000	PLN’000	PLN’000	PLN’000
individuals	70,131	44,900	(13,135)	(11,899)	89,997
- overdraft facilities	1,693	1,823	(678)	0	2,838
- consumer loans	46,880	28,713	(9,146)	(10,832)	55,615
- real estate loans	20,921	13,426	(3,184)	(1,065)	30,098
- credit card debt	637	938	(127)	(2)	1,446
institutional clients	24,563	13,966	(3,386)	(372)	34,771
local authorities	412	4	(392)	0	24
Total	95,106	58,870	(16,913)	(12,271)	124,792

* Amounts charged to provisions and sale of receivables