Notes to the consolidated financial statements
24.1 Loans and advances to customers (by type)
Balance as at | Balance as at | |
---|---|---|
31 December 2016 | 31 December 2015 | |
PLN’000 | PLN’000 | |
Individuals | 4 734 032 | 4 711 355 |
- overdraft facilities | 28 857 | 32 478 |
- cash loans and installment loans | 2 161 347 | 2 031 277 |
- mortgage loans | 212 847 | 228 598 |
- real estate loans | 2 314 454 | 2 402 034 |
- credit card debt | 16 527 | 16 968 |
Institutional clients | 532 574 | 578 292 |
- overdraft facilities | 16 512 | 29 007 |
- real estate loans | 328 681 | 302 556 |
- operating loans | 54 157 | 69 630 |
- investment loans | 105 791 | 138 338 |
- mortgage loans | 23 817 | 33 352 |
- other receivables | 556 | 2 554 |
- margin deposits and funds | 3 060 | 2 855 |
Local authorities | 205 546 | 252 842 |
- real estate loans | 195 | 351 |
- operating loans | 1 | 0 |
- investment loans | 202 615 | 252 491 |
- mortgage loans | 2 735 | 0 |
Gross loans and advances | 5 472 152 | 5 542 489 |
Impairment losses on receivables | 317 813 | 229 607 |
Net loans and advances | 5 154 339 | 5 312 882 |