Notes to the consolidated financial statements
24.4 Loans and advances granted to customers (by indication of impairment)
Loans and advances granted to clients | Impairment allowance | Loans and advances granted to clients | |||||
---|---|---|---|---|---|---|---|
Balance as at | (gross amount) | (net amount) | |||||
31 December 2016 | 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 | 402 603 | 4 331 429 | 235 392 | 36 659 | 167 211 | 4 294 770 | 4 461 981 |
- overdraft facilities | 5 984 | 22 873 | 3 735 | 306 | 2 249 | 22 567 | 24 816 |
- cash loans and installment loans | 293 239 | 1 868 108 | 175 596 | 34 612 | 117 643 | 1 833 496 | 1 951 139 |
- mortgage loans | 36 512 | 176 335 | 18 672 | 360 | 17 840 | 175 975 | 193 815 |
- real estate loans | 62 888 | 2 251 566 | 34 819 | 1 132 | 28 069 | 2 250 434 | 2 278 503 |
- credit card debt | 3 980 | 12 547 | 2 570 | 249 | 1 410 | 12 298 | 13 708 |
institutional clients | 83 568 | 449 006 | 44 454 | 1 270 | 39 114 | 447 736 | 486 850 |
local authorities | 0 | 205 546 | 0 | 38 | 0 | 205 508 | 205 508 |
Total | 486 171 | 4 985 981 | 279 846 | 37 967 | 206 325 | 4 948 014 | 5 154 339 |
Loans and advances granted to clients | Impairment allowance | Loans and advances granted to clients | |||||
---|---|---|---|---|---|---|---|
Balance as at | (gross amount) | (net amount) | |||||
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 installment 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 clients | 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 |