Notes to the consolidated financial statements
Download note 24.5 in XLS24.5 Change in impairment allowances
Changes in impairment allowances on loans and advances granted to customers in individual reporting periods have been presented below:
| Balance of impairment allowances as at | Recognized in the period | Derecognized in the period | Applied* | Balance of impairment allowances as at | |
|---|---|---|---|---|---|
| 1 January 2015 | 31 December 2015 | ||||
| PLN’000 | PLN’000 | PLN’000 | PLN’000 | PLN’000 | |
| individuals | 126 621 | 79 150 | (19 457) | (9 650) | 176 664 |
| - overdraft facilities | 3 466 | 1 614 | (837) | (374) | 3 869 |
| - cash loans and instalment loans | 75 972 | 64 917 | (11 215) | (8 434) | 121 240 |
| - mortgage loans | 10 746 | 3 899 | (984) | (142) | 13 519 |
| - real estate loans | 34 061 | 7 806 | (5 891) | (594) | 35 382 |
| - credit card debt | 2 376 | 914 | (530) | (106) | 2 654 |
| institutional customers | 47 222 | 11 704 | (4 979) | (1 021) | 52 926 |
| local authorities | 65 | 0 | (48) | 0 | 17 |
| Total | 173 908 | 90 854 | (24 484) | (10 671) | 229 607 |
* Amounts charged to impairment allowances and sale of receivables.
| Balance of impairment allowances as at | Recognized in the period | Derecognized in the period | Applied* | Balance of impairment allowances as at | |
|---|---|---|---|---|---|
| 1 January 2014 | 31 December 2014 | ||||
| PLN’000 | PLN’000 | PLN’000 | PLN’000 | PLN’000 | |
| individuals | 89 997 | 60 138 | (11 336) | (12 178) | 126 621 |
| - overdraft facilities | 2 838 | 1 808 | (1 180) | 0 | 3 466 |
| - cash loans and instalment loans | 45 804 | 47 584 | (5 260) | (12 156) | 75 972 |
| - mortgage loans | 9 811 | 2 125 | (1 168) | (22) | 10 746 |
| - real estate loans | 30 098 | 7 426 | (3 463) | 0 | 34 061 |
| - credit card debt | 1 446 | 1 195 | (265) | 0 | 2 376 |
| institutional customers | 34 771 | 17 413 | (4 749) | (213) | 47 222 |
| local authorities | 24 | 45 | (4) | 0 | 65 |
| Total | 124 792 | 77 596 | (16 089) | (12 391) | 173 908 |
* Amounts charged to impairment allowances and sale of receivables.