Annual Report 2013
Poll
Notes to the consolidated financial statements
24c. Loans and advances granted to clients by method of estimating the impairment loss
Balance as at 31 December 2013 |
Loans and advances granted to customers (gross value) |
Impairment loss | Loans and advances granted to customers (net value) |
|||||
---|---|---|---|---|---|---|---|---|
assessed invididually |
assessed collectively |
assessed invididually |
assessed collectively |
assessed invididually |
assessed collectively |
Total | ||
no indications of impairment |
indication of impairment |
|||||||
PLN'000 | PLN'000 | PLN'000 | PLN'000 | PLN'000 | PLN'000 | PLN'000 | PLN'000 | |
Overdraft facilities from clients | 5,567 | 74,059 | 2,359 | 837 | 4,805 | 3,208 | 68,417 | 71,625 |
Term loans, including: | 65,199 | 5,035,679 | 23,931 | 14,014 | 78,846 | 41,268 | 4,942,819 | 4,984,087 |
individuals | 6,012 | 4,099,680 | 2,921 | 11,306 | 72,932 | 3,091 | 4,015,442 | 4,018,533 |
- consumer loans | 6,012 | 1,717,104 | 2,921 | 8,386 | 44,308 | 3,091 | 1,664,410 | 1,667,501 |
- real estate loans | 0 | 2,367,726 | 0 | 2,751 | 27,347 | 0 | 2,337,628 | 2,337,628 |
- credit card debt | 0 | 14,850 | 0 | 169 | 1,277 | 0 | 13,404 | 13,404 |
institutional clients | 59,187 | 579,385 | 21,010 | 2,684 | 5,914 | 38,177 | 570,787 | 608,964 |
local authorities | 0 | 356,614 | 0 | 24 | 0 | 0 | 356,590 | 356,590 |
Total | 70,766 | 5,109,738 | 26,290 | 14,851 | 83,651 | 44,476 | 5,011,236 | 5,055,712 |
Balance as at 31 December 2012 (restated) |
Loans and advances granted to customers (gross value) |
Impairment loss | Loans and advances granted to customers (net value) |
|||||
---|---|---|---|---|---|---|---|---|
assessed invididually |
assessed collectively |
assessed invididually |
assessed collectively |
assessed invididually |
assessed collectively |
Total | ||
no indications of impairment |
indication of impairment |
|||||||
PLN'000 | PLN'000 | PLN'000 | PLN'000 | PLN'000 | PLN'000 | PLN'000 | PLN'000 | |
Overdraft facilities from clients | 7,867 | 61,512 | 1,984 | 453 | 2,558 | 5,883 | 58,501 | 64,384 |
Term loans, including: | 42,531 | 4,582,741 | 14,563 | 14,390 | 61,158 | 27,968 | 4,507,193 | 4,535,161 |
individuals | 0 | 3,564,369 | 0 | 11,792 | 56,646 | 0 | 3,495,931 | 3,495,931 |
- consumer loans | 0 | 1,408,506 | 0 | 6,353 | 40,527 | 0 | 1,361,626 | 1,361,626 |
- real estate loans | 0 | 2,145,044 | 0 | 5,316 | 15,605 | 0 | 2,124,123 | 2,124,123 |
- credit card debt | 0 | 10,819 | 0 | 123 | 514 | 0 | 10,182 | 10,182 |
institutional clients | 42,531 | 604,940 | 14,563 | 2,186 | 4,512 | 27,968 | 598,242 | 626,210 |
local authorities | 0 | 413,432 | 0 | 412 | 0 | 0 | 413,020 | 413,020 |
Total | 50,398 | 4,644,253 | 16,547 | 14,843 | 63,716 | 33,851 | 4,565,694 | 4,599,545 |
Individually significant exposures with indications of impairment, but with but finally no impairment detected are included in collective calculation of impairment losses arising from incurred but unreported losses (IBNR).
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