Annual Report - Notes to the consolidated financial statements

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Notes to the consolidated financial statements

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	Used*	Balance of impairment allowances as at
	1 January 2016	Recognized in the period	Derecognized in the period	Used*	31 December 2016
	PLN’000	PLN’000	PLN’000	PLN’000	PLN’000
Individuals	176 664	123 363	(20 365)	(7 611)	272 051
- overdraft facilities	3 869	1 523	(1 351)	0	4 041
- cash loans and installment loans	121 240	107 852	(11 833)	(7 051)	210 208
- mortgage loans	13 519	6 672	(1 159)	0	19 032
- real estate loans	35 382	6 305	(5 584)	(152)	35 951
- credit card debt	2 654	1 011	(438)	(408)	2 819
Institutional clients	52 926	4 040	(6 405)	(4 837)	45 724
Local authorities	17	21	0	0	38
Total	229 607	127 424	(26 770)	(12 448)	317 813

^* _{Amounts charged to impairment allowances and sale of receivables.}

	Balance of impairment allowances as at	Recognized in the period	Derecognized in the period	Used*	Balance of impairment allowances as at
	1 January 2015	Recognized in the period	Derecognized in the period	Used*	31 December 2015
	PLN’000	PLN’000	PLN’000	PLN’000	PLN’000
Individuals	126 621	79 150	(20 362)	(8 745)	176 664
- overdraft facilities	3 466	1 614	(838)	(373)	3 869
- cash loans and installment loans	75 972	64 917	(11 908)	(7 741)	121 240
- mortgage loans	10 746	3 899	(1 025)	(101)	13 519
- real estate loans	34 061	7 806	(6 072)	(413)	35 382
- credit card debt	2 376	914	(519)	(117)	2 654
Institutional clients	47 222	11 704	(5 061)	(939)	52 926
Local authorities	65	0	(48)	0	17
Total	173 908	90 854	(25 471)	(9 684)	229 607

^*_{Amounts charged to impairment allowances and sale of receivables.}