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 | 
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