33.1. Loans and advances to customers – classification of financial assets by stage
PKO Annual
Report Online
2020
Report Online
2020
| LOANS AND ADVANCES TO CUSTOMERS (excluding adjustments relating to fair value hedge accounting) 2020 |
Stage 1 | Stage 2 | Stage 3 | Total | including POCI |
| Measured at: amortized cost | |||||
| Gross amount | 182 300 | 33 249 | 9 865 | 225 414 | 270 |
|
housing loans |
102 746 | 13 702 | 1 953 | 118 401 | 85 |
|
corporate loans |
44 346 | 13 689 | 5 450 | 63 485 | 57 |
|
consumer loans |
20 240 | 2 855 | 1 447 | 24 542 | 53 |
|
factoring receivables |
1 532 | 94 | 23 | 1 649 | – |
|
finance lease receivables |
13 436 | 2 909 | 992 | 17 337 | 75 |
| Allowances for expected credit losses | (602) | (2 061) | (6 161) | (8 824) | (39) |
|
housing loans |
(58) | (621) | (1 404) | (2 083) | (27) |
|
corporate loans |
(289) | (931) | (3 304) | (4 524) | (6) |
|
consumer loans |
(209) | (426) | (975) | (1 610) | (4) |
|
factoring receivables |
(2) | – | (19) | (21) | – |
|
finance lease receivables |
(44) | (83) | (459) | (586) | (2) |
| Net amount | 181 698 | 31 188 | 3 704 | 216 590 | 231 |
|
housing loans |
102 688 | 13 081 | 549 | 116 318 | 58 |
|
corporate loans |
44 057 | 12 758 | 2 146 | 58 961 | 51 |
|
consumer loans |
20 031 | 2 429 | 472 | 22 932 | 49 |
|
factoring receivables |
1 530 | 94 | 4 | 1 628 | – |
|
finance lease receivables |
13 392 | 2 826 | 533 | 16 751 | 73 |
| Loans and advances to customers, total | |||||
|
Gross amount |
182 300 | 33 249 | 9 865 | 225 414 | 270 |
|
Allowances for expected credit losses |
(602) | (2 061) | (6 161) | (8 824) | (39) |
|
Net amount |
181 698 | 31 188 | 3 704 | 216 590 | 231 |
| LOANS AND ADVANCES TO CUSTOMERS (excluding adjustments relating to fair value hedge accounting) 2019 |
Stage 1 | Stage 2 | Stage 3 | Total | including POCI |
| Measured at: fair value through OCI | |||||
| Gross amount | – | – | 1 | 1 | 1 |
|
consumer loans |
– | – | 1 | 1 | 1 |
| Allowances for expected credit losses | – | – | (1) | (1) | (1) |
|
consumer loans |
– | – | (1) | (1) | (1) |
| Net amount | – | – | – | – | – |
|
consumer loans |
– | – | – | – | – |
| Measured at: amortized cost | |||||
| Gross amount | 204 589 | 14 823 | 9 725 | 229 137 | 386 |
|
housing loans |
112 498 | 5 806 | 2 110 | 120 414 | 92 |
|
corporate loans |
57 503 | 4 837 | 5 506 | 67 846 | 166 |
|
consumer loans |
19 801 | 1 722 | 1 236 | 22 759 | 48 |
|
factoring receivables |
1 198 | 81 | 51 | 1 330 | – |
|
finance lease receivables |
13 589 | 2 377 | 822 | 16 788 | 80 |
| Allowances for expected credit losses | (619) | (1 142) | (5 460) | (7 221) | (66) |
|
housing loans |
(55) | (527) | (1 384) | (1 966) | (32) |
|
corporate loans |
(363) | (314) | (2 875) | (3 552) | 2 |
|
consumer loans |
(164) | (231) | (825) | (1 220) | (34) |
|
factoring receivables |
(2) | – | (17) | (19) | – |
|
finance lease receivables |
(35) | (70) | (359) | (464) | (2) |
| Net amount | 203 970 | 13 681 | 4 265 | 221 916 | 320 |
|
housing loans |
112 443 | 5 279 | 726 | 118 448 | 60 |
|
corporate loans |
57 140 | 4 523 | 2 631 | 64 294 | 168 |
|
consumer loans |
19 637 | 1 491 | 411 | 21 539 | 14 |
|
factoring receivables |
1 196 | 81 | 34 | 1 311 | – |
|
finance lease receivables |
13 554 | 2 307 | 463 | 16 324 | 78 |
| Loans and advances to customers, total | |||||
|
Gross amount |
204 589 | 14 823 | 9 726 | 229 138 | 387 |
|
Allowances for expected credit losses |
(619) | (1 142) | (5 461) | (7 222) | (67) |
|
Net amount |
203 970 | 13 681 | 4 265 | 221 916 | 320 |