33.2. Loans and advances to customers – changes in the gross carrying amount

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PKO Annual
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2020

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD Stage 1 Stage 2 Stage 3 Total including POCI
2020
Measured at: fair value through OCI
Consumer loans
Carrying amount as at the beginning of the period, gross 1 1 1
Repayments (1) (1) (1)
Carrying amount as at the end of the period, gross
LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD Stage 1 Stage 2 Stage 3 Total including POCI
2020
Measured at: amortized cost
Housing loans
Carrying amount as at the beginning of the period, gross 112 498 5 806 2 110 120 414 92
Transfer from stage 2 and 3 to stage 1 1 896 (1 893) (3)
Transfer from stage 1 and 3 to stage 2 (11 358) 11 490 (132)
Transfer from stage 1 and 2 to stage 3 (83) (198) 281
Granting or purchase of financial instruments 2 366 83 39 2 488 4
Utilization of limits or disbursement of tranches 9 584 128 65 9 777 1
Repayments (11 613) (619) (126) (12 358) (12)
Insignificant modifications 77 (1) (2) 74
Derecognition, including sale (402) (27) (7) (436) (7)
Write-offs (11) 1 (22) (32)
Other changes1 (208) (1 068) (250) (1 526) 7
Carrying amount as at the end of the period, gross 102 746 13 702 1 953 118 401 85
1 includes changes in gross carrrying amounts recognized in note „Cost of legal risk of mortgage loans in convertible currencies”

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD

2020

Stage 1 Stage 1 Stage 1 Total including POCI
Measured at: amortized cost
Corporate loans
Carrying amount as at the beginning of the period, gross 57 503 4 837 5 506 67 846 166

Transfer from stage 2 and 3 to stage 1

554 (532) (22)

Transfer from stage 1 and 3 to stage 2

(6 337) 6 623 (286)

Transfer from stage 1 and 2 to stage 3

(379) 564 (185)

Granting or purchase of financial instruments

9 934 1 974 370 12 278 18

Utilization of limits or disbursement of tranches

9 838 1 115 201 11 154 27

Repayments

(25 919) (1 521) (708) (28 148) (157)

Insignificant modifications

52 (31) (16) 5

Derecognition, including sale

(359) (84) (39) (482) (29)

Write-offs

(139) 2 (76) (213) 2

Change in the business model

(1) (6) (7)

Other changes

(402) 743 711 1 052 29
Carrying amount as at the end of the period, gross 44 346 13 689 5 450 63 485 57

 

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD

2020

Stage 1 Stage 2 Stage 3 Total including POCI
Measured at: amortized cost
Consumer loans
Carrying amount as at the beginning of the period, gross 19 801 1 722 1 236 22 759 48

Transfer from stage 2 and 3 to stage 1

507 (495) (12)

Transfer from stage 1 and 3 to stage 2

(1 794) 1 830 (36)

Transfer from stage 1 and 2 to stage 3

(361) (227) 588

Granting or purchase of financial instruments

8 193 321 77 8 591 16

Utilization of limits or disbursement of tranches

983 138 99 1 220 3

Repayments

(7 418) (286) (125) (7 829) (15)

Insignificant modifications

(9) (5) (2) (16)

Derecognition, including sale

(118) (5) (48) (171) (39)

Write-offs

(204) (84) (288) (19)

Change in the business model

(6) (6) (54) (66)

Other changes

666 (132) (192) 342 59
Carrying amount as at the end of the period, gross 20 240 2 855 1 447 24 542 53

 

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD

2020

Stage 1 Stage 2 Stage 3 Total including POCI
Measured at: amortized cost
Finance lease receivables
Carrying amount as at the beginning of the period, gross 13 589 2 377 822 16 788 80

Transfer from stage 2 and 3 to stage 1

24 (23) (1)

Transfer from stage 1 and 3 to stage 2

(187) 191 (4)

Transfer from stage 1 and 2 to stage 3

(12) (9) 21

Granting or purchase of financial instruments

5 438 371 56 5 865 4

Utilization of limits or disbursement of tranches

54 54

Repayments

(2 951) (343) (131) (3 425) (9)

Derecognition, including sale

(1 039) (244) (87) (1 370)

Write-offs

(1) (37) (38)

Other changes

(1 480) 590 353 (537)
Carrying amount as at the end of the period, gross 13 436 2 909 992 17 337 75

 

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD

2020

Stage 1 Stage 2 Stage 3 Total including POCI
Measured at: amortized cost
Factoring receivables
Carrying amount as at the beginning of the period, gross 1 198 81 51 1 330

Transfer from stage 2 and 3 to stage 1

17 (15) (2)

Transfer from stage 1 and 3 to stage 2

(6) 9 (3)

Transfer from stage 1 and 2 to stage 3

7 (7)

Granting or purchase of financial instruments

974 60 4 1 038

Utilization of limits or disbursement of tranches

(173) 18 (4) (159)

Repayments

(483) (60) (16) (559)

Other changes

(2) 1 (1)
Carrying amount as at the end of the period, gross 1 532 94 23 1 649

 

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD

2019

Stage 1 Stage 2 Stage 3 Total including POCI
Measured at: fair value through OCI
Consumer loans
Carrying amount as at the beginning of the period, gross

Granting or purchase of financial instruments

1 1 1
Carrying amount as at the end of the period, gross 1 1 1

 

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD

2019

Stage 1 Stage 2 Stage 3 Total including POCI
Measured at: amortized cost
Housing loans 
Carrying amount as at the beginning of the period, gross 106 561 5 960 2 260 114 781 103

Transfer from stage 2 and 3 to stage 1

2 434 (2 427) (7)

Transfer from stage 1 and 3 to stage 2

(2 858) 2 955 (97)

Transfer from stage 1 and 2 to stage 3

(89) (254) 343 3

Granting or purchase of financial instruments

7 034 24 3 7 061 1

Utilization of limits or disbursement of tranches

10 226 210 114 10 550 2

Repayments

(11 898) (1 492) (208) (13 598) (8)

Insignificant modifications

78 (1) (3) 74

Derecognition, including sale

(290) (19) (122) (431) (9)

Write-offs

(12) (189) (201)

Other changes

1 300 862 16 2 178
Carrying amount as at the end of the period, gross 112 498 5 806 2 110 120 414 92

 

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD

2019

Stage 1 Stage 2 Stage 3 Total including POCI
Measured at: amortized cost
Corporate loans
Carrying amount as at the beginning of the period, gross 51 965 5 304 6 556 63 825 423

Transfer from stage 2 and 3 to stage 1

1 061 (1 046) (15)

Transfer from stage 1 and 3 to stage 2

(1 538) 1 648 (110)

Transfer from stage 1 and 2 to stage 3

(224) (341) 565

Granting or purchase of financial instruments

11 566 371 535 12 472 150

Utilization of limits or disbursement of tranches

10 968 778 296 12 042

Repayments

(15 857) (1 826) (1 226) (18 909) (403)

Insignificant modifications

10 2 (1) 11 1

Derecognition, including sale

(580) (49) (388) (1 017) (5)

Write-offs

(7) (714) (721)

Other changes

132 3 8 143
Carrying amount as at the end of the period, gross 57 503 4 837 5 506 67 846 166

 

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD

2019

Stage 1 Stage 2 Stage 3 Total including POCI
Measured at: amortized cost
Consumer loans
Carrying amount as at the beginning of the period, gross 23 664 1 786 1 831 27 281 54

Transfer from stage 2 and 3 to stage 1

233 (225) (8)

Transfer from stage 1 and 3 to stage 2

(886) 910 (24)

Transfer from stage 1 and 2 to stage 3

(288) (169) 457

Granting or purchase of financial instruments

11 931 456 104 12 491 3

Utilization of limits or disbursement of tranches

1 572 97 122 1 791 3

Repayments

(9 093) (384) (172) (9 649) (7)

Insignificant modifications

(6) (2) (7) (15)

Derecognition, including sale

(161) (66) (126) (353) (11)

Write-offs

(10) (383) (393)

Change in the business model

(7 296) (835) (822) (8 953)

Other changes

131 164 264 559 6
Carrying amount as at the end of the period, gross 19 801 1 722 1 236 22 759 48

 

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD

2019

Stage 1 Stage 2 Stage 3 Total including POCI
Measured at: amortized cost
Finance lease receivables
Carrying amount as at the beginning of the period, gross 11 477 2 719 790 14 986 94

Transfer from stage 2 and 3 to stage 1

746 (726) (20)

Transfer from stage 1 and 3 to stage 2

(793) 833 (40)

Transfer from stage 1 and 2 to stage 3

9 (312) 303

Granting or purchase of financial instruments

6 599 745 109 7 453 3

Repayments

(2 749) (630) (140) (3 519) (16)

Derecognition, including sale

(980) (251) (40) (1 271)

Write-offs

(126) (126)

Other changes

(720) (1) (14) (735) (1)
Carrying amount as at the end of the period, gross 13 589 2 377 822 16 788 80

 

LOANS AND ADVANCES TO CUSTOMERS – CHANGES IN THE GROSS CARRYING AMOUNT DURING THE PERIOD

2019

Stage 1 Stage 2 Stage 3 Total including POCI
Measured at: amortized cost
Factoring receivables
Carrying amount as at the beginning of the period, gross 673 399 13 1 085

Transfer from stage 2 and 3 to stage 1

(37) 37

Transfer from stage 1 and 3 to stage 2

(10) 10

Transfer from stage 1 and 2 to stage 3

(39) (1) 40

Granting or purchase of financial instruments

402 402

Utilization of limits or disbursement of tranches

261 (332) (1) (72)

Repayments

(52) (32) (84)

Other changes

(1) (1)
Carrying amount as at the end of the period, gross 1 198 81 51 1 330

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