18a. Loans and advances to customers
| 31.12.2014 | 31.12.2013 | |
|---|---|---|
| Loans and advances | 40.192.825 | 38.258.194 |
| - to companies | 8.547.052 | 7.463.382 |
| - toprivate individuals | 31.135.265 | 30.184.384 |
| - topublic sector | 510.508 | 610.428 |
| Receivables on account of payment cards | 685.431 | 725.564 |
| - due from companies | 32.824 | 37.581 |
| - due from private individuals | 652.607 | 687.983 |
| Purchased receivables | 162.453 | 154.703 |
| - from companies | 159.993 | 150.687 |
| - from public sector | 2.460 | 4.016 |
| Guarantees and sureties realised | 12.011 | 36.373 |
| Debt securities eligible for rediscount at Central Bank | 9.851 | 12.874 |
| Financial leasing receivables | 4.107.136 | 3.571.325 |
| Other | 1.105 | 1.276 |
| Interest | 330.142 | 317.702 |
| Total gross | 45.500.954 | 43.078.011 |
| Impairment write-offs | -1.358.255 | -1.312.331 |
| Total net | 44.142.699 | 41.765.680 |
18b. Quality of loans and advances to customers portfolio
| 31.12.2014 | 31.12.2013 | |
|---|---|---|
| Loans and advances to customers (gross) | 45.500.954 | 43.078.011 |
| - impaired | 1.923.249 | 1.903.046 |
| - not impaired | 43.577.705 | 41.174.965 |
| Impairment write-offs | -1.358.255 | -1.312.331 |
| - for impaired exposures | -1.196.531 | -1.113.454 |
| - for incurred but not reported losses (IBNR) | -161.724 | -198.877 |
| Loans and advances to customers (net) | 44.142.699 | 41.765.680 |
18c. Loans and advances to customers portfolio by methodology of impairment assessment
| 31.12.2014 | 31.12.2013 | |
|---|---|---|
| Loans and advances to customers (gross) | 45.500.954 | 43.078.011 |
| - case by case analysis | 911.835 | 886.068 |
| - collective analysis | 44.589.119 | 42.191.943 |
| Impairment write-offs | -1.358.255 | -1.312.331 |
| - on the basis of case by case analysis | -556.879 | -519.289 |
| - on the basis of collective analysis | -801.376 | -793.042 |
| Loans and advances to customers (net) | 44.142.699 | 41.765.680 |
18d. Loans and advances to customers portfolio by customers
| 31.12.2014 | 31.12.2013 | |
|---|---|---|
| Loans and advances to customers (gross) | 45.500.954 | 43.078.011 |
| - corporate customers | 13.482.755 | 11.984.859 |
| - private individuals | 32.018.199 | 31.093.152 |
| Impairment write-offs | -1.358.255 | -1.312.331 |
| - for receivables from corporate customers | -775.403 | -730.886 |
| - for receivables from private individuals | -582.852 | -581.445 |
| Loans and advances to customers (net) | 44.142.699 | 41.765.680 |
18e. Loans and advances to customers by maturity
| 31.12.2014 | 31.12.2013 | |
|---|---|---|
| Current accounts | 3.371.727 | 2.843.684 |
| to 1 month | 301.198 | 474.277 |
| above 1 month to 3 months | 1.422.716 | 1.378.603 |
| above 3 months to 1 year | 4.207.915 | 3.751.344 |
| above 1 year to 5 years | 12.410.292 | 10.760.364 |
| above 5 years | 22.442.413 | 22.529.542 |
| past due | 1.014.551 | 1.022.495 |
| Interest | 330.142 | 317.702 |
| Total gross | 45.500.954 | 43.078.011 |
18f. Loans and advances to customers by currency
| 31.12.2014 | 31.12.2013 | |
|---|---|---|
| in Polish currency | 25.076.426 | 23.121.080 |
| in foreign currencies (after conversion to PLN) | 20.424.528 | 19.956.931 |
| - currency: USD | 334.433 | 276.756 |
| - currency: EUR | 2.233.722 | 1.539.379 |
| - currency: CHF | 17.836.963 | 18.119.629 |
| - currency: JPY | 14.984 | 21.069 |
| - other currencies | 4426 | 98 |
| Total gross | 45.500.954 | 43.078.011 |
18g. Change of impairment write-offs for loans and advances to customers
| 01.01.2014 - 31.12.2014 | 01.01.2013 - 31.12.2013 | |
|---|---|---|
| Balance at the beginning of the period | 1.312.331 | 1.237.586 |
| Change in value of provisions: | 45.924 | 74.745 |
| Impairment write-offs created in the period | 616.838 | 668.922 |
| Amounts written off | -182.507 | -136.213 |
| Impairment write-offs released in the period | -333.602 | -437.189 |
| Sale of receivables | -63.902 | -20.691 |
| Changes resulting from FX rates differences | 8.315 | -302 |
| Other | 782 | 218 |
| Balance at the end of the period | 1.358.255 | 1.312.331 |
18h. Financial leasing receivables
| 31.12.2014 | 31.12.2013 | |
|---|---|---|
| Financial leasing receivables (gross) | 4.469.233 | 3.924.762 |
| Unrealised financial income | -362.097 | -353.437 |
| Financial leasing receivables (net) | 4.107.136 | 3.571.325 |
| Financial leasing receivables (gross) by maturity | ||
| Under 1 year | 1.546.031 | 1.485.847 |
| From 1 year to 5 years | 2.593.318 | 2.124.428 |
| Above 5 years | 329.884 | 314.487 |
| Total | 4.469.233 | 3.924.762 |
| Financial leasing receivables (net) by maturity | ||
| Under 1 year | 1.406.281 | 1.347.077 |
| From 1 year to 5 years | 2.399.923 | 1.937.616 |
| Above 5 years | 300.932 | 286.632 |
| Total | 4.107.136 | 3.571.325 |
The main groups of items financed through leasing are the means of transport (tractors, trailers, trucks, vans, cars, etc.), machinery and equipment, computers as well as industrial and commercial real estate. The leasing portfolio of the Group includes contracts in which fees are set in PLN or are linked to EUR exchange rate (foreign exchange contracts denominated in EUR) as well as associated with market interest rates (floating-products), or independent from them (fixed rate products). Agreements with customers are concluded for term from 1 year to 10 years. Offered lease agreements provide a diverse client's own contribution and the final value of the object, as well as a diverse amount of lease payments, e.g., depending on seasonality. After the end of the lease, a customer is obliged to buy the item at a final price specified at the time of the conclusion of the agreement. The object during the entire lease term is owned by the Group and constitutes a major collateral of lease payments.
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