ING Bank Śląski | Annual Report 2014

ING BANK ŚLĄSKI

ING BANK ŚLĄSKIAnnual Report 2014

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9. Impairment losses and provisions for off-balance sheet liabilities

  2014 2013
Impairment losses on loans and other receivables 628.7 684.5
Reversed impairment losses on loans and other receivables -365.0 -408.6
Net impairment losses on loans and other receivables, of which: 263.7 275.9
  - losses on loans and other receivables with evidence of impairment 257.1 262.3
  - losses on loans and other receivables with no evidence of impairment (IBNR) 6.6 13.6
     
Increase of provisions for off-balance liabilities 15.8 10.0
Reversed provision for off-balance sheet liabilities -11.8 -18.7
Net provisions for off-balance sheet liabilities recognized, of which: 4.0 -8.7
  - on the portfolio with evidence of impairment 1.8 -6.5
  - on the portfolio with no evidence of impairment (IBNR) 2.2 -2.2
     
Total increase of provisions 644.5 694.5
Total reversed impairment losses -376.8 -427.3
Net impairment losses and provisions for off-balance sheet liabilities 267.7 267.2

The figures recognised under the item Reversed impairment losses on loans and other receivables include, among other things, the amounts related to the repayments of receivables previously written off the balance sheet, which in 2014 totalled PLN 5.6 million compared with PLN 13.4 million in 2013.

 
Impairment losses on loans and other receivables by client’s sector  
  2014 2013
Impairment losses on loans and other receivables, of which 628.7 684.5
  - banks 0.3 0.8
  - entities from the financial sector other than banks 0.5 0.4
  - entities from the non-financial sector 627.5 682.7
  - entities from the government and self-government institutions’ sector 0.4 0.6
Reversed impairment losses on loans and other receivables, of which: -365.0 -408.6
  - banks -0.3 -0.5
  - entities from the financial sector other than banks -0.3 -0.7
  - entities from the non-financial sector -364.1 -407.0
  - entities from the government and self-government institutions’ sector -0.3 -0.4
Net impairment losses on loans and other receivables, of which: 263.7 275.9
  - banks 0.0 0.3
  - entities from the financial sector other than banks 0.2 -0.3
  - entities from the non-financial sector 263.4 275.7
  - entities from the government and self-government institutions’ sector 0.1 0.2
 
Impairment losses on loans and other receivables by client's segment
  2014 2013
Impairment losses on loans and other receivables, of which: 628.7 684.5
  - corporate banking 373.8 256.7
  - retail banking 254.9 427.8
Reversed impairment losses on loans and other receivables, of which: -365.0 -408.6
  - corporate banking -188.8 -91.0
  - retail banking -176.2 -317.6
Net impairment losses on loans and other receivables, of which: 263.7 275.9
  - corporate banking 185.0 165.7
  - retail banking 78.7 110.2

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