|
31.12.2021 |
| Loans and advances to customers measured at amortised cost |
Gross balance sheet value |
Allowance |
Net balance sheet value |
| Loans and advances for: |
|
|
|
| Non-banking financial entities |
796,517 |
(2,075) |
794,442 |
| current account loans |
729,310 |
(1,644) |
727,666 |
| investment loans |
45,208 |
(287) |
44,921 |
| other loans |
21,999 |
(144) |
21,855 |
| Retail customers: |
38,817,716 |
(935,977) |
37,881,739 |
| mortgage loans |
26,710,997 |
(311,056) |
26,399,941 |
| other loans |
12,106,719 |
(624,921) |
11,481,798 |
| Corporate customers |
43,354,896 |
(1,860,797) |
41,494,099 |
| current account loans |
21,236,676 |
(1,198,743) |
20,037,933 |
| investment loans |
15,549,486 |
(449,945) |
15,099,541 |
| other loans |
6,568,734 |
(212,109) |
6,356,625 |
| including retail farmers: |
7,755,784 |
(389,619) |
7,366,165 |
| current account loans |
3,712,040 |
(191,153) |
3,520,887 |
| current account loans |
4,032,732 |
(197,030) |
3,835,702 |
| other loans |
11,012 |
(1,436) |
9,576 |
| Public sector institutions |
84,487 |
(1,542) |
82,945 |
| current account loans |
57,032 |
(1,240) |
55,792 |
| investment loans |
27,118 |
(299) |
26,819 |
| other loans |
337 |
(3) |
334 |
| Lease receivables |
4,989,351 |
(162,122) |
4,827,229 |
| Total loans and advances to customers measured at amortised cost |
88,042,967 |
(2,962,513) |
85,080,454 |
|
31.12.2020 |
| Loans and advances to customers measured at amortised cost |
Gross balance sheet value |
Allowance |
Net balance sheet value |
| Loans and advances for: |
|
|
|
| Non-banking financial entities |
595,02 |
(1,934) |
593,168 |
| current account loans |
492,335 |
(1,577) |
490,758 |
| investment loans |
96,141 |
(259) |
95,882 |
| other loans |
6,626 |
(98) |
6,528 |
| Retail customers |
33,802,097 |
(1,172,830) |
32,629,267 |
| mortgage loans |
22,559,727 |
(363,664) |
22,196,063 |
| other loans |
11,242,370 |
(809,166) |
10,433,204 |
| Corporate customers |
38,673,033 |
(1,863,349) |
36,809,684 |
| current account loans |
17,823,636 |
(1,135,775) |
16,687,861 |
| investment loans |
13,921,875 |
(512,585) |
13,409,290 |
| other loans |
6,927,522 |
(214,989) |
6,712,533 |
| including retail farmers |
8,118,713 |
(453,098) |
7,665,615 |
| current account loans |
3,979,679 |
(229,272) |
3,750,407 |
| investment loans |
4,125,187 |
(222,105) |
3,903,082 |
| other loans |
13,847 |
(1,721) |
12,126 |
| Public sector institutions |
101,382 |
(2,268) |
99,114 |
| current account loans |
70,300 |
(1,649) |
68,651 |
| investment loans |
30,448 |
(611) |
29,837 |
| other loans |
634 |
(8) |
626 |
| Lease receivables |
4,112,460 |
(146,424) |
3,966,036 |
| Total loans and advances to customers measured at amortised cost |
77,284,074 |
(3,186,805) |
74,097,269 |
Loans and advances to customers by Stages is presented below:
| 31.12.2021 |
Stage 1 |
Stage 2 |
Stage 3 |
Total |
POCI |
| Loans and advances for: |
77 810,462 |
7,025,786 |
3 206 719 |
88 042 967 |
222 556 |
| Non-banking financial entities |
794,896 |
5 |
1,616 |
796,517 |
88 |
| Retail customers |
35,339,880 |
2,350,493 |
1,127,343 |
38,817,716 |
52,581 |
| Corporate customers: |
37,247,318 |
4,234,645 |
1,872,933 |
43,354,896 |
169,887 |
| including retail farmers |
5,998,472 |
1,123,755 |
633,557 |
7,755,784 |
2 |
| Public sector entities: |
83,411 |
1,076 |
– |
84,487 |
– |
| Lease receivables |
4,344,957 |
439,567 |
204,827 |
4,989,351 |
– |
| Impairment allowance on loans and receivables for: |
(615,798) |
(507,388) |
(1,839,327) |
(2,962,513) |
(70,908) |
| Non-banking financial entities |
(752) |
(1) |
(1,322) |
(2,075) |
(72) |
| Retail customers |
(107,829) |
(206,279) |
(621,869) |
(935,977) |
(4,485) |
| Corporate customers |
(469,618) |
(276,852) |
(1,114,327) |
(1,860,797) |
(66,351) |
| including retail farmers |
(33,289) |
(76,937) |
(279,393) |
(389,619) |
– |
| Public sector entities |
(1,342) |
(200) |
– |
(1,542) |
– |
| Lease receivables |
(36,257) |
(24,056) |
(101,809) |
(162,122) |
– |
| Net loans and advances to customers measured at amortised cost |
77,194,664 |
6,518,398 |
1,367,392 |
85,080,454 |
151,648 |
| 31.12.2020 |
Stage 1 |
Stage 2 |
Stage 3 |
Total |
POCI |
| Loans and advances for: |
65,969,373 |
7,165,450 |
4,149,251 |
77,284,074 |
324,756 |
| Non-banking financial entities |
593,444 |
33 |
1,625 |
595,102 |
80 |
| Retail customers |
30,416,993 |
1,940,388 |
1,444,716 |
33,802,097 |
71,872 |
| Corporate customers |
31,474,785 |
4,699,506 |
2,498,742 |
38,673,033 |
252,760 |
| including retail farmers |
6,069,509 |
1,259,809 |
789,395 |
8,118,713 |
2 |
| Public sector entities: |
98,992 |
2,346 |
44 |
101,382 |
44 |
| Lease receivables |
3,385,159 |
523,177 |
204,124 |
4,112,460 |
– |
| Impairment allowance on loans and receivables for: |
(505,527) |
(594,339) |
(2,086,939) |
(3,186,805) |
(47,810) |
| Non-banking financial entities |
(1,213) |
(3) |
(718) |
(1,934) |
(23) |
| Retail customers |
(197,518) |
(226,981) |
(748,331) |
(1,172,830) |
(10,127) |
| Corporate customers |
(274,643) |
(346,822) |
(1,241,884) |
(1,863,349) |
(37,648) |
| including retail farmers |
(48,403) |
(116,224) |
(288,471) |
(453,098) |
(1) |
| Public sector entities |
(1,990) |
(266) |
(12) |
(2,268) |
(12) |
| Lease receivables |
(30,163) |
(20,267) |
(95,994) |
(146,424) |
– |
| Net loans and advances to customers measured at amortised cost |
65,463,846 |
6,571,111 |
2,062,312 |
74,097,269 |
276,946 |
Impairment allowance of loans and advances to customers measured at amortised cost
| Change in impairment allowances |
Stage 1 |
Stage 2 |
Stage 3 |
Total |
| Opening balance as at 1 January 2021 |
(505,527) |
(594,339) |
(2,086,939) |
(3,186,805) |
| Increase due to acquisition or origination |
(353,275) |
(109,644) |
(80,095) |
(543,014) |
| Decrease due to derecognition |
53,907 |
27,882 |
123,587 |
205,376 |
| Changes resulting from the change in credit risk (net) |
209,417 |
140,773 |
(551,258) |
(201,068) |
| Changes arising from updates to the method of estimation used (net) |
(26,280) |
28,131 |
21,386 |
23,237 |
| Use of allowances |
6,230 |
523 |
742,719 |
749,472 |
| Other changes (including foreign exchange differences) |
(270) |
(714) |
(8,727) |
(9,711) |
| Closing balance as at 31 December 2021 |
(615,798) |
(507,388) |
(1 839,327) |
(2,962,513) |
| Change in impairment allowances |
Stage 1 |
Stage 2 |
Stage 3 |
Total |
| Opening balance as at 1 January 2021 |
(462,118) |
(481,781) |
(2,284,310) |
(3,228,209) |
| Increase due to acquisition or origination |
(318,192) |
(80,321) |
(123,188) |
(521,701) |
| Decrease due to derecognition |
55,378 |
21,739 |
110,796 |
187,913 |
| Changes resulting from the change in credit risk (net) |
223,644 |
(50,954) |
(706,534) |
(533,844) |
| Use of allowances |
90 |
30 |
939,245 |
939,365 |
| Other changes (including foreign exchange differences) |
(4,329) |
(3,053) |
(22,947) |
(30,329) |
| Other changes (including foreign exchange differences) |
(505,527) |
(594,339) |
(2,086,939) |
(3,186,805) |
The total balance of long-term loans and advances due to customers as at 31 December 2021 amounted to PLN 76,534,598 thousand (PLN 63,711,558 thousand as at 31 December 2020).
Gross amount of foreign currency mortgage loans for retail customers (in PLN ‘000)
| Loans by currency |
31.12.2021 |
31.12.2020 |
| CHF |
4,531,564 |
4,822,478 |
| EUR |
36,388 |
47,606 |
| PLN |
22,141,389 |
17,687,284 |
| USD |
1,656 |
2,359 |
| Total |
26,710,997 |
22,559,727 |
|
31.12.2021 |
| Value of CHF loan portfolio |
Gross balance sheet value |
including CHF exposures |
Allowance |
including CHF exposures |
| Loans and advances for: |
|
|
|
|
| Non-banking financial entities |
796,517 |
– |
(2,075) |
– |
| current account loans |
729,310 |
– |
(1,644) |
– |
| investment loans |
45,208 |
– |
(287) |
– |
| other loans |
21,999 |
– |
(144) |
– |
| Retail customers |
38,817,716 |
4,575,112 |
(935,977) |
(230,270) |
| mortgage loans |
26,710,997 |
4,531,564 |
(311,056) |
(221,397) |
| other loans |
12,106,719 |
43,548 |
(624,921) |
(8,873) |
| Corporate customers: |
43,354,896 |
65,713 |
(1,860,797) |
(10,781) |
| current account loans |
21,236,676 |
56,263 |
(1,198,743) |
(5,538) |
| investment loans |
15,549,486 |
8,915 |
(449,945) |
(5,243) |
| other loans |
6,568,734 |
535 |
(212,109) |
– |
| including retail farmers |
7,755,784 |
1,284 |
(389,619) |
(84) |
| current account loans |
3,712,040 |
1,225 |
(191,153) |
(84) |
| investment loans |
4,032,732 |
59 |
(197,030) |
– |
| other loans |
11,012 |
– |
(1,436) |
– |
| Public sector institutions |
84,487 |
– |
(1,542) |
– |
| current account loans |
57,032 |
– |
(1,240) |
– |
| investment loans |
27,118 |
– |
(299) |
– |
| other loans |
337 |
– |
(3) |
– |
| Lease receivables |
4,989,351 |
27,917 |
(162,122) |
(7,274) |
| Total loans and advances |
88,042,967 |
4,668,742 |
(2 962,513) |
(248,325) |
|
31.12.2020 |
| Value of CHF loan portfolio |
Gross balance sheet value |
including CHF exposures |
Allowance |
including CHF exposures |
| Loans and advances for: |
|
|
|
|
| Non-banking financial entities |
595,102 |
– |
(1,934) |
– |
| current account loans |
492,335 |
– |
(1,577) |
– |
| investment loans |
96,141 |
– |
(259) |
– |
| other loans |
6,626 |
– |
(98) |
– |
| Retail customers |
33,802,097 |
4,876,681 |
(1,172,830) |
(235,754) |
| mortgage loans |
22,559,727 |
4,822,478 |
(363,664) |
(223,878) |
| other loans |
11,242,370 |
54,203 |
(809,166) |
(11,876) |
| Corporate customers |
38,673,033 |
148,909 |
(1,863,349) |
(12,064) |
| current account loans |
17,823,636 |
137,511 |
(1,135,775) |
(7,502) |
| investment loans |
13,921,875 |
10,068 |
(512,585) |
(4,560) |
| other loans |
6,927,522 |
1,330 |
(214,989) |
(2) |
| including retail farmers |
8,118,713 |
3,094 |
(453,098) |
(493) |
| current account loans |
3,979,679 |
2,998 |
(229,272) |
(493) |
| investment loans |
4,125,187 |
96 |
(222,105) |
– |
| other loans |
13,847 |
– |
(1,721) |
– |
| Public sector institutions |
101,382 |
– |
(2,268) |
– |
| current account loans |
70,300 |
– |
(1,649) |
– |
| investment loans |
30,448 |
– |
(611) |
– |
| other loans |
634 |
– |
(8) |
– |
| Lease receivables |
4,112,460 |
38,940 |
(146,424) |
(7,448) |
| Total loans and advances |
77,284,074 |
5,064,530 |
(3,186,805) |
(255,266) |
