Annual Report 2014
Poll
Notes to the consolidated financial statements
23.3. Loans and advances to customers by method of estimating the impairment allowance
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 |
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
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