Financial and
ESG report 2020

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 40 607 214 38 614 737
7 Secured by real estate property 35 837 316 34 056 914
8 * SME’s 41 145 42 222
9 * Non-SME’s 35 796 170 34 014 691
10 Qualifying revolving 4 769 898 4 557 824
11 Other retail
12 * SME’s
13 * Non-SME’s
14 Equity
15 Total IRB approach 40 607 214 38 614 737
16 Central governments or central banks 19 845 266 24 320 826
17 Regional governments or local authorities 269 746 276 649
18 Public sector entities 202 451 212 256
19 Multilateral development banks 182 591 181 399
20 International organizations 0 0
21 Institutions 758 148 1 323 585
22 Corporates 23 222 056 22 710 185
23 of which: SME’s 11 765 176 12 022 856
24 Retail 21 930 996 22 096 193
25 of which: SME’s 2 482 713 2 531 537
26 Secured by mortgages on immovable property 4 797 417 4 580 012
27 of which: SME’s 243 263
28 Exposures in default 1 583 000 1 507 995
29 Items associated with particularly high risk 47 46
30 Covered bonds
31 Claims on institutions and corporates with a short-term credit assessment
32 Collective investments undertakings
33 Equity 280 599 226 202
34 Other exposures 2 285 483 2 280 923
35 Total standarized approach 68 977 381 73 628 264
36 Total 109 584 595 112 243 001
*) without counterparty credit risk, on-balance and off-balance

    European Union
(EU)
Poland Other EU countries Other geographical areas Total
1 Central governments or central banks
2 Institutions
3 Corporates
4 Retail 200 121 39 727 021 495 851 184 222 40 607 214
5 Equity
6 Total IRB approach 200 121 39 727 021 495 851 184 222 40 607 214
7 Central governments or central banks 19 845 266 19 845 266
8 Regional governments or local authorities 269 746 269 746
9 Public sector entities 202 451 202 451
10 Multilateral development banks 182 591 182 591
11 International organizations
12 Institutions 310 803 63 774 5 784 377 787 758 148
13 Corporates 389 796 22 832 259 0 0 23 222 056
14 Retail 28 137 21 444 299 341 940 116 619 21 930 996
15 Secured by mortgages on immovable property 5 520 4 791 159 513 225 4 797 417
16 Exposures in default 15 448 1 520 341 22 693 24 518 1 583 000
17 Items associated with particularly high risk 35 12 47
18 Covered bonds
19 Claims on institutions and corporates with a short-term credit assessment
20 Collective investments undertakings
21 Equity exposures 0 96 101 0 184 498 280 599
22 Other exposures 0 2 285 483 0 0 2 285 483
23 Other exposures 911 362 67 039 390 347 724 678 904 68 977 381
24 Total 1 111 483 106 766 412 843 575 863 126 109 584 595

*) 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 456 4 928 5 661 14 412 444 3 247 71
5 Equity
6 Total IRB approach 456 4 928 5 661 14 412 444 3 247 71
7 Central governments or central banks 972 454
8 Regional governments or local authorities
9 Public sector entities 10 494 151 236
10 Multilateral development banks
11 International organizations
12 Institutions
13 Corporates 88 687 299 456 6 478 071 563 119 203 567 1 251 193 7 313 400 2 302 414 112 818 1 429 706
14 Retail 28 866 12 325 316 547 6 642 29 503 344 067 494 449 530 336 65 939 57 430
15 Secured by mortgages on immovable property
16 Exposures in default 3 018 1 091 221 285 38 1 297 20 144 61 478 46 826 50 233 2 574
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 117 553 311 781 6 794 618 569 761 233 070 1 595 270 7 808 344 3 956 439 178 757 1 487 136
24 Total 118 009 311 781 6 799 546 569 761 233 070 1 600 931 7 822 755 3 956 884 182 004 1 487 208
    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 940 4 364 3 871 940 465 723 622 41 145
5 Equity
6 Total IRB approach 940 4 364 3 871 940 465 723 622 41 145
7 Central governments or central banks 972 454
8 Regional governments or local authorities 266 970 266 970
9 Public sector entities 43 099 1 927 196 765
10 Multilateral development banks 4 620 4 620
11 International organizations 0
12 Institutions 0
13 Corporates 342 245 1 269 267 115 475 632 044 28 35 490 111 709 18 733 22 402 22 589 825
14 Retail 45 575 44 342 182 400 100 391 70 25 091 61 916 16 722 33 382 2 395 992
15 Secured by mortgages on immovable property 0
16 Exposures in default 2 938 40 485 11 791 76 028 491 1 571 567 1 305 543 162
17 Items associated with particularly high risk 0
18 Covered bonds 0
19 Claims on institutions and corporates with a short-term credit assessment 0
20 Collective investments undertaking 0
21 Equity exposures 0
22 Other exposures 0
23 Total standarized approach 387 820 1 313 609 302 495 732 435 267 067 103 680 173 625 37 382 55 784 26 426 626
24 Total 388 761 1 317 973 306 367 733 375 525 973 209 903 357 195 74 071 115 538 27 111 104
* without counterparty credit risk, net values of balance sheet and off-balance sheet exposures

    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 1 264 171 1 737 593 2 277 940 35 327 509 36 594 486
5 Equity
6 Total IRB approach 1 264 171 1 737 593 2 277 940 35 327 509 36 594 486
7 Central governments or central banks 688 684 17 494 441 984 153 677 988 19 845 266
8 Regional governments or local authorities 138 153 39 136 31 788 60 668 114 778
9 Public sector entities 21 635 59 561 66 758 54 496 171 751
10 Multilateral development banks 0 81 738 0 100 852 182 591
11 International organizations
12 Institutions 75 010 674 649 8 489 683 138
13 Corporates 3 152 173 8 843 171 8 710 278 2 497 921 18 512 15 860 511
14 Retail 852 761 986 824 8 118 064 11 945 720 27 627 21 488 597
15 Secured by mortgages on immovable property 785 895 38 944 4 756 793 4 795 877
16 Exposures in default 720 878 129 033 424 682 289 471 18 936 1 565 221
17 Items associated with particularly high risk 6 747 6 747
18 Covered bonds
19 Claims on institutions and corporates with a short-term credit assessment
20 Collective investments undertakings
21 Equity exposures 280 599 280 599
22 Other exposures 3 541 356 3 541 356
23 Total standarized approach 4 239 733 11 373 763 34 421 330 15 643 810 4 561 318 62 175 333
24 Total 5 503 905 13 111 357 36 699 270 50 971 319 4 561 318 98 769 819

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