Notes to the consolidated financial statements
13. Net impairment losses
Period | Period | |||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
from 1 January 2015 | from 1 January 2014 | |||||||||||
to 31 December 2015 | to 31 December 2014 | |||||||||||
Exposures evaluated on the portfolio level | Exposures evaluated individually | Total | Exposures evaluated on the portfolio level | Exposures evaluated individually | Total | |||||||
On-balance sheet | Off-balance sheet | Incl. IBNR | On-balance sheet | Off-balance sheet | On-balance sheet | On-balance sheet | Incl. IBNR | On-balance sheet | Off-balance sheet | |||
PLN’000 | PLN’000 | PLN’000 | PLN’000 | PLN’000 | PLN’000 | PLN’000 | PLN’000 | PLN’000 | PLN’000 | PLN’000 | PLN’000 | |
Loans and advances granted to customers, including: | (65 352) | 225 | (2 149) | (1 018) | 0 | (66 145) | (57 388) | 492 | (8 411) | (4 119) | 2 | (61 013) |
individuals | (59 516) | 149 | (3 427) | (177) | 0 | (59 544) | (48 403) | 63 | (7 471) | (399) | 0 | (48 739) |
- overdraft facilities | (777) | 35 | 109 | 0 | 0 | (742) | (628) | 63 | 189 | 0 | 0 | (565) |
- cash loans and instalment loans | (53 702) | (23) | (4 792) | 0 | 0 | (53 725) | (41 925) | (18) | (9 213) | 0 | 0 | (41 943) |
- mortgage loans | (2 738) | 0 | 106 | (177) | 0 | (2 915) | (957) | 1 | 1 196 | (399) | 0 | (1 355) |
- real estate loans | (1 915) | 12 | 1 047 | 0 | 0 | (1 903) | (3 963) | 20 | 477 | 0 | 0 | (3 943) |
- credit card debt | (384) | 125 | 103 | 0 | 0 | (259) | (930) | (3) | (120) | 0 | 0 | (933) |
institutional customers | (5 884) | 76 | 1 275 | (841) | 0 | (6 649) | (8 944) | 429 | (944) | (3 720) | 2 | (12 233) |
local authorities | 48 | 0 | 3 | 0 | 0 | 48 | (41) | 0 | 4 | 0 | 0 | (41) |
Total | (65 352) | 225 | (2 149) | (1 018) | 0 | (66 145) | (57 388) | 492 | (8 411) | (4 119) | 2 | (61 013) |
Net impairment losses comprise a change in impairment losses for loans and advances granted to customers and off-balance sheet exposures, and applied impairment losses due to charging off and selling receivables.
As compared to the consolidated financial statements for the year ended 31 December 2014, in these consolidated financial statements the Group has made presentation changes through a more detailed presentation of impairment losses for loans and advances granted to individuals for which the Bank has separated the item “Cash and instalment loans” and “Mortgages”.