Non-performing and forborne exposures

The below tables disclose information on non-perforrming exposures, foreborne exposures and foreclosed assets, in accordance to the EBA Guidelines on disclosure of non-performing and forborne exposures from 17/12/2018 [EBA/GL/2018/10].

The Group disclosed the following tables in that scope:

NPE 1 – Credit quality of forborne exposures
NPE 3 – Credit quality of performing and non-performing exposures by past-due days
NPE 4 – Performing and non-performing exposures and related provisions
NPE 9 – Collateral obtained by taking possession and execution process.

As at 31 December, 2020, the Group presents the gross NPL ratio (non-performing loans in total loans) of 4.95%.

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	Gross carrying amount/nominal amount of exposures with forbearance measures				Accumulated impairment, accumulated negative changes in fair value due to credit risk and provisions		Collateral received and financial guarantees received on forborne exposures
	Performing forborne	Non-performing forborne			On performing forborne exposures	On non-performing forborne exposures		Of which collateral and financial guarantees received on non-performing exposures with forbearance measures
	Performing forborne		Of which defaulted	Of which impaired	On performing forborne exposures	On non-performing forborne exposures
Loans and advances	176 149	1 316 715	1 181 806	1 181 806	(19 343)	568 049	38 775	29 685
Central banks	0	0	0	0	0	0	0	0
General governments	0	0	0	0	0	0	0	0
Credit institutions	0	0	0	0	0	0	0	0
Other financial corporations	183	703	703	703	0	532	0	0
Non-financial corporations	46 483	182 774	182 774	182 774	558	91 374	4 820	4 820
Households	129 483	1 133 238	998 328	998 328	(19 902)	476 142	33 955	24 865
Debt Securities	0	0	0	0	0	0	0	0
Loan commitments given	7 003	4 775	4 764	4 764	20	1 236	55	55
Total	359 301	2 638 206	2 368 375	2 368 375	(38 666)	1 137 334	77 605	59 426

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Gross carrying amount/nominal amount
	Performing exposures			Non-performing exposures
		Not past due or past due ≤ 30 days	Past due > 30 days ≤ 90 days		Unlikely to pay that are not past due or are past due ≤ 90 days	Past due > 90 days ≤ 180 days	Past due > 180 days ≤ 1 year	Past due > 1 year ≤ 2 years	Past due > 2 years ≤ 5 years	Past due > 5 years ≤ 7 years	Past due > 7 years	Of which defaulted
Loans and advances	72 687 612	72 457 800	206 603	3 729 794	1 858 999	145 405	306 983	518 252	626 266	171 452	102 439	3 341 583
Central banks	0	0	0	0	0	0	0	0	0	0	0	0
General governments	76 489	76 489	0	0	0	0	0	0	0	0	0	0
Credit institutions	0	0	0	0	0	0	0	0	0	0	0	0
Other financial corporations	234 873	234 849	7	8 527	4 540	90	114	139	1 077	2 560	8	8 527
Non-financial corporations	15 348 631	15 348 614	1	769 247	519 542	14 056	41 190	23 314	62 211	46 289	62 644	769 197
Of which SMEs	7 545 199	7 545 193	1	455 299	320 668	14 007	19 722	22 634	46 462	2 623	29 181	455 299
Households	57 027 619	56 797 847	206 595	2 952 020	1 334 917	131 259	265 679	494 798	562 977	122 603	39 788	2 563 858
Debt securities	18 923 921	18 923 921	0	0	0	0	0	0	0	0	0	0
Central banks	0	0	0	0	0	0	0	0	0	0	0	0
General governments	18 545 953	18 545 953	0	0	0	0	0	0	0	0	0	0
Credit institutions	182 591	182 591	0	0	0	0	0	0	0	0	0	0
Other financial corporations	0	0	0	0	0	0	0	0	0	0	0	0
Non-financial corporations	195 377	195 377	0	0	0	0	0	0	0	0	0	0
Off-balance-sheet exposures	12 061 075			16 274								16 150
Central banks	0			0								0
General governments	154 968			0								0
Credit institutions	75 000			0								0
Other financial corporations	121 000			0								0
Non-financial corporations	7 260 011			14 256								14 256
Households	4 450 096			2 018								1 894
Total	103 672 609	91 381 721	206 603	3 746 068	1 858 999	145 405	306 983	518 252	626 266	171 452	102 439	3 357 733

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	Gross carrying amount/nominal amount						Accumulated impairment, accumulated negative changes in fair value due to credit risk and provisions						Accumulated partial write-off	Collateral and financial guarantees received
	Performing exposures			Non-performing exposures			Performing exposures – accumulated impairment and provisions			Non-performing exposures – accumulated impairment, accumulated negative changes in fair value due to credit risk and provisions				On performing exposures	On non-performing exposures
		Of which stage 1	Of which stage 2		Of which stage 2	Of which stage 3		Of which stage 1	Of which stage 2		Of which stage 2	Of which stage 3
Loans and advances	72 687 612	67 533 603	4 048 359	3 729 794	0	3 341 583	650 152	374 609	311 971	1 784 965	0	1 681 718	8 781	1 962 852	65 435
Central banks	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
General governments	76 489	76 485	0	0	0	0	186	186	0	0	0	0	0	0	0
Credit institutions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other financial corporations	234 873	229 596	5 277	8 527	0	8 527	2 351	2 056	295	5 415	0	5 415	0	1 598	0
Non-financial corporations	15 348 631	13 983 667	1 301 419	769 247	0	769 197	129 683	106 045	23 638	300 887	0	300 887	0	1 072 114	10 277
Of which SMEs	7 545 199	6 563 391	942 153	455 299	0	455 299	58 999	45 225	13 774	148 984	0	148 984	0	716 718	10 277
Households	57 027 619	53 243 855	2 741 662	2 952 020	0	2 563 858	517 932	266 322	288 038	1 478 664	0	1 375 416	8 781	889 141	55 158
Debt securities	18 923 921	0	0	0	0	0	0	0	0	0	0	0	0	195 377	0
Central banks	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
General governments	18 545 953	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Credit institutions	182 591	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other financial corporations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non-financial corporations	195 377	0	0	0	0	0	0	0	0	0	0	0	0	195 377	0
Off-balance-sheet exposures	12 061 075	9 172 783	772 524	16 274	0	16 150	12 061 075	9 172 783	772 524	16 274	0	16 150	0	150 654	90
Central banks	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
General governments	154 968	154 722	0	0	0	0	154 968	154 722	0	0	0	0	0	0	0
Credit institutions	75 000	75 000	0	0	0	0	75 000	75 000	0	0	0	0	0	0	0
Other financial corporations	121 000	120 604	396	0	0	0	121 000	120 604	396	0	0	0	0	132	0
Non-financial corporations	7 260 011	6 564 008	656 706	14 256	0	14 256	7 260 011	6 564 008	656 706	14 256	0	14 256	0	142 217	90
Households	4 450 096	2 258 448	115 423	2 018	0	1 894	4 450 096	2 258 448	115 423	2 018	0	1 894	0	8 305	0
Total	103 672 609	76 706 386	4 820 883	3 746 068	0	3 357 733	12 711 228	9 547 392	1 084 496	1 801 239	0	1 697 868	8 781	2 308 884	65 526

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	Collateral obtained by taking possession
	Value at initial recognition	Accumulated negative changes
Property, plant and equipment (PP&E)
Other than PP&E	22 280	1 929
Residential immovable property
Commercial Immovable property
Movable property (auto, shipping, etc.)	22 280	1 929
Equity and debt instruments
Other
Total	22 280	1 929

Encumbered assets

Operational risk

Non-performing and forborne exposures

Table 35. NPE 1 – Credit quality of forborne exposures (in PLN thous.)

Table 36. NPE-3 Credit quality of performing and non-performing exposures by past-due days (in PLN thous.)

Table 37. NPE 4 – Performing and non-performing exposures and related provisions (in PLN thous.)

Table 38. NPE 9 – Collateral obtained by taking possession and execution process (in PLN thous.)

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