Financial results

Notes to the consolidated financial statements

Download note 24.3 in XLS

24.3 Loans and advances granted to customers by method of estimating the impairment allowance

	Loans and advances granted to customers		Impairment allowance			Loans and advances granted to customers
Balance as at	(gross)		Impairment allowance			(net)
31 December 2015	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	6 285	4 705 070	3 497	22 865	150 302	2 788	4 531 903	4 534 691
- overdraft facilities	0	32 478	0	349	3 520	0	28 609	28 609
- cash loans and instalment loans	(2)	2 031 279	0	20 789	100 451	(2)	1 910 039	1 910 037
- mortgage loans	6 287	222 311	3 497	260	9 762	2 790	212 289	215 079
- real estate loans	0	2 402 034	0	1 257	34 125	0	2 366 652	2 366 652
- credit card debt	0	16 968	0	210	2 444	0	14 314	14 314
institutional customers	52 345	525 947	27 930	3 159	21 837	24 415	500 951	525 366
local authorities	0	252 842	0	17	0	0	252 825	252 825
Total	58 630	5 483 859	31 427	26 041	172 139	27 203	5 285 679	5 312 882

	Loans and advances granted to customers		Impairment allowance			Loans and advances granted to customers
Balance as at	(gross)		Impairment allowance			(net)
31 December 2014	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
- cash loans and instalment loans	0	1 680 009	0	16 018	59 954	0	1 604 037	1 604 037
- mortgage loans	6 231	239 561	3 320	366	7 060	2 911	232 135	235 046
- 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 customers	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

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

24.2. Loans and advances granted to customers (by maturity) 24.4. Loans and advances granted to customers (by indication of impairment)