Poll

Notes to the consolidated financial statements

23.1. Loans and advances to customers (by type)

	Balance as at 31 December 2014	Balance as at 31 December 2013
	PLN’000	PLN’000
individuals	4,423,563	4,143,207
- overdraft facilities	35,836	37,515
- consumer loans	1,925,801	1,723,116
- real estate loans	2,444,023	2,367,726
- credit card debt	17,903	14,850
institutional clients	598,760	680,683
- overdraft facilities	34,627	42,111
- real estate loans	297,997	293,502
- operating loans	78,595	96,644
- investment loans	147,337	161,494
- mortgage loans	37,063	58,993
- other receivables	3,141	27,939
local authorities	303,362	356,614
- real estate loans	507	664
- operating loans	0	2,611
- investment loans	302,855	353,339
Gross loans and advances	5,325,685	5,180,504
Impairment losses on receivables	173,908	124,792
Net loans and advances	5,151,777	5,055,712