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

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PKO Annual
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2020
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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”
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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 –
Financial notes 33.1. Loans and advances to customers – classification of financial assets by stage
Financial notes 33.3. Loans and advances to customers – Changes in allowances for expected credit losses

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