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Notes to the consolidated financial statements

7. Net interest income

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Interest income including: Period
from 1 January 2014
to 31 December 2014		 Period
from 1 January 2013
to 31 December 2013
  PLN’000 PLN’000
Income on receivables from other banks 9,064 9,607
Income on loans and advances to clients, including: 361,466 355,103
overdraft facilities 7,125 7,480
credit facilities and term loans 354,341 347,623
   - individuals 309,011 294,269
   - institutional clients 34,300 37,980
   - local authorities 11,030 15,374
Income on investment financial assets classified as: 45,447 58,541
available for sale 25,361 37,891
held to maturity 20,086 20,650
Income on financial assets held for trading 301 149
Total 416,278 423,400

In 2014 interest income on impaired receivables amounted to PLN 14,738 thousand, while in 2013 it was PLN 14,224 thousand.

Interest expense including: Period
from 1 January 2014
to 31 December 2014		 Period
from 1 January 2013
to 31 December 2013
  PLN’000 PLN’000
Expense due to liabilities to other banks (419) (450)
Expense due to liabilities to customers, including: (121,894) (156,552)
current accounts (31,603) (43,503)
term deposits (90,291) (113,049)
   - individuals (71,031) (82,795)
   - institutional clients (18,157) (28,780)
   - local authorities (1,103) (1,474)
Costs arising from issue of debt securities and subordinated loan (23,199) (21,312)
Costs of sell-buy-back securities sold (2,616) (1,279)
Total (148,128) (179,593)

 

Annual Report 2014 - Bank Pocztowy