Annual Report - Notes to the consolidated financial statements

Notes to the consolidated financial statements

	Loans and advances to customers		Impairment allowance		Loans and advances to customers
Balance as at	(gross)		Impairment allowance		(net)
31 December 2015	impaired	not impaired	impaired	not impaired	impaired	not impaired	Total
	PLN’000	PLN’000	PLN’000	PLN’000	PLN’000	PLN’000	PLN’000
individuals	300 766	4 410 589	153 799	22 865	146 967	4 387 724	4 534 691
- overdraft facilities	6 330	26 148	3 520	349	2 810	25 799	28 609
- cash loans and instalment loans	185 551	1 845 726	100 451	20 789	85 100	1 824 937	1 910 037
- mortgage loans	36 237	192 361	13 259	260	22 978	192 101	215 079
- real estate loans	68 478	2 333 556	34 125	1 257	34 353	2 332 299	2 366 652
- credit card debt	4 170	12 798	2 444	210	1 726	12 588	14 314
institutional customers	89 072	489 220	49 767	3 159	39 305	486 061	525 366
local authorities	0	252 842	0	17	0	252 825	252 825
Total	389 838	5 152 651	203 566	26 041	186 272	5 126 610	5 312 882

	Loans and advances to customers		Impairment allowance		Loans and advances to customers
Balance as at	(gross)		Impairment allowance		(net)
31 December 2014	impaired	not impaired	impaired	not impaired	impaired	not impaired	Total
	PLN’000	PLN’000	PLN’000	PLN’000	PLN’000	PLN’000	PLN’000
individuals	247 265	4 176 298	107 264	19 357	140 001	4 156 941	4 296 942
- overdraft facilities	5 457	30 379	3 044	422	2 413	29 957	32 370
- cash loans and instalment loans	122 817	1 557 192	59 954	16 018	62 863	1 541 174	1 604 037
- mortgage loans	38 539	207 253	10 380	366	28 159	206 887	235 046
- real estate loans	76 414	2 367 609	31 768	2 293	44 646	2 365 316	2 409 962
- credit card debtj	4 038	13 865	2 118	258	1 920	13 607	15 527
institutional customers	78 026	520 734	42 864	4 358	35 162	516 376	551 538
local authorities	100	303 262	45	20	55	303 242	303 297
Total	325 391	5 000 294	150 173	23 735	175 218	4 976 559	5 151 777