Annual Report 2013
Poll
Notes to the consolidated financial statements
13. Net impairment losses
Period from 1 January 2013 to 31 December 2013 |
Period from 1 January 2012 to 31 December 2012 (restated) |
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Exposures assessed by portfolio |
Exposures assessed individually |
Total | Exposures assessed by portfolio |
Exposures assessed individually |
Total | |||
including IBNR | including IBNR | |||||||
PLN ‘000 | PLN ‘000 | PLN ‘000 | PLN ‘000 | PLN ‘000 | PLN ‘000 | PLN ‘000 | PLN ‘000 | |
Overdraft facilities from clients | (2,789) | (568) | (375) | (3,164) | (1,092) | 196 | (301) | (1,393) |
Term loans, including: | (29,866) | 186 | (9,368) | (39,234) | (17,395) | (1,117) | (6,311) | (23,706) |
individuals | (27,909) | 466 | (2,921) | (30,830) | (19,837) | (4,404) | 0 | (19,837) |
- consumer loans | (16,655) | (2,040) | (2,921) | (19,576) | (7,034) | (989) | 0 | (7,034) |
- real estate loans | (10,230) | 2,597 | 0 | (10,230) | (12,308) | (3,346) | 0 | (12,308) |
- credit card debt | (1,024) | (91) | 0 | (1,024) | (495) | (69) | 0 | (495) |
institutional clients | (2,348) | (671) | (6,447) | (8,795) | 2,540 | 3,382 | (6,311) | (3,771) |
local authorities | 391 | 391 | 0 | 391 | (98) | (95) | 0 | (98) |
Total | (32,655) | (382) | (9,743) | (42,398) | (18,487) | (921) | (6,612) | (25,099) |
Profit/loss on impairment losses recognized by the Group include impairment of interest accrued from the date of impairment recognition in the amount of PLN 2.373 thousand, whose increase is reflected by the same amount of an increase in interest revenue. The adopted presentation results with impairment losses and interest income increase by the same amount, and it does not impact the financial performance of the Group.
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