Financial and
ESG report 2020

36c. Change of provision for pending legal issues

01.01.2020 – 31.12.2020 01.01.2019 – 31.12.2019
Balance at the beginning of the period 111 785 60 710
Charge of provision 17 223 7 913
Release of provision (13 440) (14 332)
Utilisation of provision (489) (27 875)
Creation of provisions for legal risk connected with FX mortgage loans * 713 617 223 134
Allocation to the loans portfolio** (296 207) (139 548)
Reclassification 138 1 783
FX differences 23 295 0
Balance at the end of the period 555 922 111 785
* Creation of provisions for legal risk related to foreign currency mortgage loans is described in more detail in Chapter 14 Costs of provisions for legal risk related to foreign currency mortgage loans
** In 2020, the Group changed its accounting policy and allocated a part of provisions created for legal risk connected with FX mortgage loans to the loans portfolio, and an appropriate adjustment of comparable data as at December 31, 2019 presented in these financial statements has been introduced (more information on this topic is presented in Chapter 8. “Accounting Policy”)

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