Financial and
ESG report 2020

21k. Financial leasing receivables

31.12.2020 31.12.2019
Financial leasing receivables (gross) 6 777 327 7 260 832
Unrealised financial income (305 496) (434 227)
Financial leasing receivables (net) 6 471 831 6 826 605
Financial leasing receivables (gross) by maturity
Under 1 year 2 628 928 2 831 926
From 1 year to 2 years 1 719 645 1 878 079
From 2 year to 3 years 1 174 954 1 211 286
From 3 year to 4 years 665 775 695 272
From 4 year to 5 years 317 278 356 659
Above 5 years 270 747 287 610
Total 6 777 327 7 260 832
Financial leasing receivables (net) by maturity
Under 1 year 2 495 703 2 642 069
From 1 year to 2 years 1 638 037 1 761 721
From 2 year to 3 years 1 128 753 1 147 180
From 3 year to 4 years 642 028 662 487
From 4 year to 5 years 306 500 341 120
Above 5 years 260 810 272 028
Total 6 471 831 6 826 605

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 in EUR, based on floating or fixed interest rates.

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 residual 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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