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Notes to the consolidated financial statements

23.3. Loans and advances to customers by method of estimating the impairment allowance

Download note 23.3 in XLS

Balance as at
31 December 2014		 Loans and advances to customers
(gross)		 Impairment allowance Loans and advances to customers
(net)
  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
individuals 6,231 4,417,332 3,320 19,357 103,944 2,911 4,294,031 4,296,942
    - overdraft
       facilities		 0 35,836 0 422 3,044 0 32,370 32,370
    - consumer
       loans		 6,231 1,919,570 3,320 16,384 67,014 2,911 1,836,172 1,839,083

    - real estate
      loans

 0 2,444,023 0 2,293 31,768 0 2,409,962 2,409,962
    - credit card
      debt		 0 17,903 0 258 2,118 0 15,527 15,527
institutional clients 47,005 551,755 27,089 4,358 15,775 19,916 531,622 551,538
local authorities 0 303,362 0 20 45 0 303,297 303,297
Total  53,236  5,272,449  30,409  23,735  119,764  22,827  5,128,950  5,151,777

 

Balance as at
31 December 2013		 Loans and advances to customers
(gross)		 Impairment allowance Loans and advances to customers
(net)
  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
individuals 6,012 4,137,195 2,921 11,853 75,223 3,091 4,050,119 4,053,210
    - overdraft
      facilities		 0 37,515 0 547 2,291 0 34,677 34,677
    - 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 64,754 615,929 23,369 2,974 8,428 41,385 604,527 645,912
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

Individually significant exposures with indications of impairment, but with no actual impairment finally confirmed are included in collective calculation of IBNR.

 

Annual Report 2014 - Bank Pocztowy