The Group analyses its portfolio of convertible currency mortgage loans to individuals in a specific manner. The Group monitors the quality of the portfolio on an on-going basis and reviews the risk of deterioration of the portfolio quality. Currently, the quality of the portfolio is at an acceptable level. The Group takes the risk into consideration in the capital adequacy and equity management.
| HOUSING LOANS AND ADVANCES TO INDIVIDUALS (RETAIL AND PRIVATE BANKING) BY CURRENCY |
31.12.2023 |
31.12.2022 |
| gross |
impairment loss |
net |
gross |
impairment loss |
net |
| in local currency |
102,956 |
(1,552) |
101,404 |
94,169 |
(1,400) |
92,769 |
| PLN |
102,751 |
(1,500) |
101,251 |
93,836 |
(1,353) |
92,483 |
| UAH |
205 |
(52) |
153 |
333 |
(47) |
286 |
| in foreign currency |
6,639 |
(710) |
5,929 |
11,637 |
(765) |
10,872 |
| CHF |
4,790 |
(595) |
4,195 |
9,353 |
(677) |
8,676 |
| EUR |
1,818 |
(110) |
1,708 |
2,244 |
(83) |
2,161 |
| USD |
26 |
(5) |
21 |
34 |
(5) |
29 |
| INNE |
5 |
– |
5 |
6 |
– |
6 |
| Total |
109,595 |
(2,262) |
107,333 |
105,806 |
(2,165) |
103,641 |
| Convertible currency housing loans and advances to individuals by the granting date |
Indexed |
Denominated |
Total |
Indexed |
Denominated |
Total |
| 31.12.2023 |
31.12.2022 |
| up to 2002 |
Gross amount |
– |
14 |
14 |
– |
28 |
28 |
| Allowances for credit losses |
– |
– |
– |
– |
(1) |
(1) |
| Net amount |
– |
14 |
14 |
– |
27 |
27 |
| Number of loans granted |
– |
2,068 |
2,068 |
– |
2,737 |
2,737 |
| from 2003 to 2006 |
Gross amount |
– |
802 |
802 |
– |
1,976 |
1,976 |
| Allowances for credit losses |
– |
(83) |
(83) |
– |
(111) |
(111) |
| Net amount |
– |
719 |
719 |
– |
1,865 |
1,865 |
| Number of loans granted |
– |
22,418 |
22,418 |
– |
30,771 |
30,771 |
| from 2007 to 2009 |
Gross amount |
– |
2,383 |
2,383 |
– |
4,911 |
4,911 |
| Allowances for credit losses |
– |
(393) |
(393) |
– |
(490) |
(490) |
| Net amount |
– |
1,990 |
1,990 |
– |
4,421 |
4,421 |
| Number of loans granted |
– |
26,552 |
26,552 |
– |
35,811 |
35,811 |
| from 2010 to 2012 |
Gross amount |
1,695 |
1,736 |
3,431 |
2,439 |
2,268 |
4,707 |
| Allowances for credit losses |
(119) |
(113) |
(232) |
(76) |
(85) |
(161) |
| Net amount |
1,576 |
1,623 |
3,199 |
2,363 |
2,183 |
4,546 |
| Number of loans granted |
7,449 |
9,558 |
17,007 |
8,741 |
10,344 |
19,085 |
| from 2013 to 2016 |
Gross amount |
2 |
7 |
9 |
4 |
11 |
15 |
| Allowances for credit losses |
– |
(2) |
(2) |
– |
(2) |
(2) |
| Net amount |
2 |
5 |
7 |
4 |
9 |
13 |
| Number of loans granted |
13 |
29 |
42 |
18 |
34 |
52 |
| Total |
Gross amount |
1,697 |
4,942 |
6,639 |
2,443 |
9,194 |
11,637 |
| Allowances for credit losses |
(119) |
(591) |
(710) |
(76) |
(689) |
(765) |
| Net amount |
1,578 |
4,351 |
5,929 |
2,367 |
8,505 |
10,872 |
| Number of loans granted |
7,462 |
60,625 |
68,087 |
8,759 |
79,697 |
88,456 |
