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2018 Financial and Social Report

Credit risk – introduction

Qualitative information on credit risk are disclosed in Financial Report (chapter on credit risk) and in Management Report, according to requirements of Table EU CRA – General qualitative information about credit risk (EBA/GL/2016/11).

Net value of exposures at the end of the period *) Average net exposures over the period *)
1 Central governments or central banks
2 Institutions
3 Corporates
4 of which: Specialized lending
5 of which: SMEs
6 Retail 32 063 702 31 142 160
7 Secured by real estate property 28 291 969 27 475 335
8 * SME’s 35 880 38 187
9 * Non-SME’s 28 256 088 27 437 149
10 Qualifying revolving 3 771 734 3 666 824
11 Other retail
12 * SME’s
13 * Non-SME’s
14 Equity
15 Total IRB approach 32 063 702 31 142 160
16 Central governments or central banks 24 877 776 21 536 760
17 Regional governments or local authorities 344 676 366 445
18 Public sector entities 97 920 89 134
19 Multilateral development banks 82 233 81 522
20 International organizations
21 Institutions 1 174 430 1 253 920
22 Corporates 19 689 556 18 562 524
23 of which: SMEs 12 290 207 10 635 189
24 Retail 8 421 409 7 870 919
25 of which: SMEs 2 464 432 2 340 150
26 Secured by mortgages on immovable property
27 of which: SMEs
28 Exposures in default 741 958 715 814
29 Items associated with particularly high risk 44 44
30 Covered bonds
31 Claims on institutions and corporates with a short-term credit assessment
32 Collective investments undertakings
33 Equity exposures 94 154 85 436
34 Other exposures 1 408 394 1 539 280
35 Total standarized approach 56 190 593 51 385 984
36 Total 88 254 295 82 528 143

 

European Union (EU) Poland Other EU countries Other geographical areas Total
1 Central governments or central banks
2 Institutions
3 Corporates
4 Retail 139 756 31 626 081 197 911 99 955 32 063 702
5 Equity
6 Total IRB approach 139 756 31 626 081 197 911 99 955 32 063 702
7 Central governments or central banks 24 877 776 24 877 776
8 Regional governments or local authorities 344 676 344 676
9 Public sector entities 97 920 97 920
10 Multilateral development banks 82 233 82 233
11 International organizations
12 Institutions 602 609 149 283 25 719 396 819 1 174 430
13 Corporates 121 563 19 547 573 0 20 420 19 689 556
14 Retail 13 467 8 211 462 128 012 68 469 8 421 409
15 Secured by mortgages on immovable property
16 Exposures in default 1 283 727 381 4 297 8 996 741 958
17 Items associated with particularly high risk 32 12 44
18 Covered bonds
19 Claims on institutions and corporates with a short-term credit assessment
20 Collective investments undertakings
21 Equity exposures 50 967 43 187 94 154
22 Other exposures 1 408 394 1 408 394
23 Total standarized approach 819 904 54 688 063 153 731 528 894 56 190 593
24 Total 959 660 86 314 144 351 641 628 849 88 254 295

*) without counterparty credit risk, net values of balance sheet and off-balance sheet exposures

Agriculture, forestry and fishing Mining and quarrying Manufacturing Electricity, gas, steam and air conditioning supply Water supply Constructiom Wholesale and retail trade Transport and storage Accomodation and food service activities Information and communication
1 Central governments or central banks
2 Institutions
3 Corporates
4 Retail 300 10 256 1 999 13 922 1 057 2 393
5 Equity
6 Total IRB approach 300 10 256 1 999 13 922 1 057 2 393
7 Central governments or central banks 461
8 Regional governments or local authorities
9 Public sector entities 60 10 2 34
10 Multilateral development banks
11 International organizations
12 Institutions
13 Corporates 72 878 50 682 6 563 096 482 531 126 862 1 110 432 6 170 642 1 980 885 78 207 568 063
14 Retail 27 399 14 738 292 121 4 755 21 852 294 037 492 039 634 043 62 219 58 240
15 Secured by mortgages on immovable property
16 Exposures in default 1 813 770 86 507 1 272 783 34 031 95 853 34 043 14 970 3 621
17 Items associated with particularly high risk
18 Covered bonds
19 Claims on institutions and corporates with a short-term credit assessment
20 Collective investments undertakings
21 Equity exposures
22 Other exposures
23 Total standarized approach 100 336 65 420 6 855 217 487 285 148 714 1 404 479 6 662 681 2 615 389 140 427 626 338
24 Total 100 636 66 082 6 865 473 487 285 148 714 1 406 478 6 676 603 2 616 446 142 820 626 338
Financial and insurance activity Real estate activities Professional, scientific and technical activities Administrative and support services activities Public administration and defence, compulsory social security Education Human healyh services and social work acivities Arts, entertainment and recreation Other services Total
1 Central governments or central banks
2 Institutions
3 Corporates
4 Retail 694 1 075 1 696 450 391 638 75 273 35 880
5 Equity
6 Total IRB approach 694 1 075 1 696 450 391 638 75 273 35 880
7 Central governments or central banks 486 262 1 209
8 Regional governments or local authorities 344 676 344 676
9 Public sector entities 6 346 63 641 10 041 803 16 950 97 887
10 Multilateral development banks
11 International organizations
12 Institutions 68 0 68
13 Corporates 274 487 907 146 303 988 643 514 93 13 377 157 154 8 163 6 331 19 518 532
14 Retail 39 700 48 667 183 726 106 885 114 26 709 55 629 20 135 27 427 2 410 435
15 Secured by mortgages on immovable property
16 Exposures in default 5 018 38 284 15 887 17 952 0 1 421 632 923 742 354 523
17 Items associated with particularly high risk
18 Covered bonds
19 Claims on institutions and corporates with a short-term credit assessment
20 Collective investments undertakings
21 Equity exposures
22 Other exposures
23 Total standarized approach 314 254 955 813 494 546 750 399 344 884 103 728 223 087 29 101 50 708 22 372 806
24 Total 314 948 956 888 496 242 750 849 344 884 104 119 223 725 29 176 50 980 22 408 686

*) bez ryzyka kredytowego kontrahent, ekspozycja netto bilansowa i pozabilansowa

On demand <= 1 year > 1 year <= 5 years > 5 years No stated maturity Total
1 Central governments or central banks
2 Institutions
3 Corporates
4 Retail 905 262 1 597 699 1 750 396 27 810 345 32 063 702
5 Equity
6 Total IRB approach 905 262 1 597 699 1 750 396 27 810 345 32 063 702
7 Central governments or central banks 100 3 628 974 19 627 954 1 271 902 348 846 24 877 776
8 Regional governments or local authorities 98 380 59 997 128 774 57 525 344 676
9 Public sector entities 39 622 3 506 37 624 17 168 97 920
10 Multilateral development banks 82 233 82 233
11 International organizations
12 Institutions 428 526 734 332 10 11 562 1 174 430
13 Corporates 1 702 794 8 681 404 7 317 661 1 955 948 31 749 19 689 556
14 Retail 376 502 536 098 4 797 327 2 689 878 21 604 8 421 409
15 Secured by mortgages on immovable property
16 Exposures in default 337 866 91 924 200 962 92 618 18 589 741 958
17 Items associated with particularly high risk 44 44
18 Covered bonds
19 Claims on institutions and corporates with a short-term credit assessment
20 Collective investments undertakings
21 Equity exposures 94 154 94 154
22 Other exposures 1 408 394 1 408 394
23 Total standarized approach 2 645 924 13 644 310 31 991 584 5 992 421 1 916 354 56 190 593
24 Total 3 551 186 15 242 009 33 741 980 33 802 765 1 916 354 88 254 295

 

*) without counterparty credit risk, net values of balance sheet and off-balance sheet exposures