Notes to the consolidated financial statements
24.4 Loans and advances granted to customers (by indication of impairment)
Loans and advances to customers | Impairment allowance | Loans and advances to customers | |||||
---|---|---|---|---|---|---|---|
Balance as at | (gross) | (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) | (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 |