ING Bank Śląski | Annual Report 2014

ING BANK ŚLĄSKI

ING BANK ŚLĄSKIAnnual Report 2014

4. Structure of credit exposure portfolio

Credit exposure portfolio* exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
Gross credit exposure to corporate clients, of which: 36,781.0 19,484.5 31,476.7 16,482.7
  - exposures with no impairment triggers 34,637.1 19,358.7 29,206.1 16,375.1
  - exposures with impairment triggers but with no actual impairment declared 344.3 38.7 457.0 75.3
  - exposures impaired, of which: 1,799.6 87.1 1,813.6 32.3
     - exposures measured individually 1,552.2 82.5 1,613.6 28.6
     - exposures measured as the portfolio 247.4 4.6 200.0 3.7
Gross credit exposure to retail clients, of which: 21,969.4 2,741.4 18,505.5 2,278.0
  - exposures with no impairment triggers 21,389.6 2,739.4 18,004.5 2,275.8
  - exposures impaired 579.8 2.0 501.0 2.2
Total credit exposure 58,750.4 22,225.9 49,982.2 18,760.7

*) The on-balance exposures taken for analysis include the outstanding principal, the interest accrued and adjustments under the effective interest rate method.

 

4.1. Credit exposure to corporate clients

Credit exposure to corporate clients by risk grades
risk rating exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
3 1.6 0.0 0.0 0.3
5 71.1 10.2 0.0 0.2
6 233.7 902.5 183.4 584.6
7 5,836.8 2,005.9 4,562.2 1,630.6
8 1,032.7 1,721.6 1,279.0 492.4
9 2,483.8 2,737.7 1,587.4 2,044.5
10 1,975.3 1,322.0 2,409.9 2,600.1
11 7,272.8 3,594.6 4,916.1 3,114.8
12 4,160.9 2,540.7 3,738.8 1,613.8
13 5,337.6 2,569.4 5,374.4 2,386.8
14 2,567.0 777.9 1,753.2 664.3
15 2,331.8 735.7 2,444.4 824.1
16 592.2 163.9 702.8 313.1
17 654.2 186.4 242.7 67.7
18 201.7 34.9 285.2 36.2
19 228.2 94.0 183.6 76.9
20 1,013.0 82.6 1,158.8 29.7
21 10.1 0.0 1.1 0.0
22 776.5 4.5 653.7 2.6
Total 36,781.0 19,484.5 31,476.7 16,482.7

 

Credit exposures to corporate clients by overdue days
number of days overdue exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
0 35,046.7 19,479.9 29,708.3 16,450.3
1-30 610.5 0.4 758.5 31.3
31-60 41.3 0.0 82.3 0.0
61-90 46.0 0.0 8.8 0.0
91-180 49.9 0.0 24.1 0.0
181-365 145.9 3.4 72.9 1.1
>365 840.7 0.8 821.8 0.0
Total 36,781.0 19,484.5 31,476.7 16,482.7

 

4.1.1. Credit exposure with no impairment triggers
Credit exposure by risk grades
risk rating exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
3 1.6 0.0 0.0 0.3
5 71.1 10.2 0.0 0.2
6 233.7 902.5 183.4 584.6
7 5,836.8 2,005.9 4,562.2 1,630.6
8 1,032.7 1,721.6 1,279.0 492.4
9 2,483.8 2,737.7 1,587.4 2,044.5
10 1,975.3 1,322.0 2,409.9 2,600.1
11 7,272.8 3,594.6 4,916.1 3,114.8
12 4,160.9 2,540.7 3,738.8 1,613.8
13 5,337.6 2,569.4 5,374.4 2,386.8
14 2,567.0 777.9 1,753.2 664.3
15 2,331.8 735.7 2,444.1 824.1
16 592.2 163.9 702.8 313.1
17 654.2 186.4 242.7 67.7
18 53.9 26.7 5.5 1.9
19 31.7 63.5 6.6 35.9
Total 34,637.1 19,358.7 29,206.1 16,375.1

 

Credit exposure by overdue days
number of days overdue exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
0 34,120.3 19,354.4 28,526.7 16,343.3
1-30 458.3 0.4 600.6 31.3
31-60 16.6 0.0 65.1 0.0
61-90 33.0 0.0 3.2 0.0
91-180 7.5 0.0 0.3 0.0
181-365 0.4 3.4 0.3 0.5
>365 1.0 0.5 9.9 0.0
Total 34,637.1 19,358.7 29,206.1 16,375.1
 
4.1.2. Credit exposures with impairment triggers but with no actual impairment declared
Credit exposure by risk grades
risk rating exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
15 0.0 0.0 0.3 0.0
18 147.8 8.2 279.7 34.3
19 196.5 30.5 177.0 41.0
Total 344.3 38.7 457.0 75.3

 

Credit exposure by overdue days
number of days overdue exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
0 268.2 38.7 324.7 75.3
1-30 64.5 0.0 118.6 0.0
31-60 9.9 0.0 12.2 0.0
61-90 1.5 0.0 0.3 0.0
91-180 0.2 0.0 0.1 0.0
181-365 0.0 0.0 0.0 0.0
>365 0.0 0.0 1.1 0.0
Total 344.3 38.7 457.0 75.3

 

As at 31 December 2014, for each exposure with impairment indicator but where no actual impairment was determined the value of collateral (mortgage on real property, sureties, pledges or debt assignments) was considered in the expected discounted future cash flows. Exposures in default on either principal or interest payment constituted PLN 76.1 million versus PLN 132.3 million as at 31 December.

4.1.3. Credit exposures impaired - measured individually
Credit exposure by risk grades
risk rating exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
20 959.6 80.4 1,115.9 27.2
21 5.1 0.0 0.3 0.0
22 587.5 2.1 497.4 1.4
Total 1,552.2 82.5 1,613.6 28.6

 

Credit exposure by overdue days
number of days overdue exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
0 624.3 82.5 829.3 28.0
1-30 81.0 0.0 30.5 0.0
31-60 8.3 0.0 0.5 0.0
61-90 8.1 0.0 0.0 0.0
91-180 20.3 0.0 13.7 0.0
181-365 111.8 0.0 35.7 0.6
>365 698.4 0.0 703.9 0.0
Total 1,552.2 82.5 1,613.6 28.6
 
4.1.4. Credit exposures impaired - measured as the portfolio 
Credit exposure by risk grades
risk rating exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
20 53.4 2.2 42.9 2.5
21 5.0 0.0 0.8 0.0
22 189.0 2.4 156.3 1.2
Total 247.4 4.6 200.0 3.7

 

Credit exposure by overdue days
number of days overdue exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
0 33.9 4.3 27.6 3.7
1-30 6.7 0.0 8.8 0.0
31-60 6.5 0.0 4.5 0.0
61-90 3.4 0.0 5.3 0.0
91-180 21.9 0.0 10.0 0.0
181-365 33.7 0.0 36.9 0.0
>365 141.3 0.3 106.9 0.0
Total 247.4 4.6 200.0 3.7

 

4.2. Credit exposure to retail clients

Credit exposure to retail clients by risk grades
risk rating exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
2 1,095.3 63.3 961.0 37.2
4 4,340.3 546.1 3,402.9 288.4
5 1,921.3 109.3 5,914.5 196.4
6 5,307.0 610.2 68.5 172.4
7 0.0 0.0 285.4 6.3
8 26.8 82.7 2,321.6 210.3
9 2,778.8 206.8 214.6 192.9
10 170.4 98.6 203.3 118.6
11 1,299.5 130.5 1,052.7 129.0
12 393.4 37.1 476.7 73.6
13 611.4 83.6 1,334.9 158.6
14 2,462.1 743.9 1,164.3 650.8
15 529.8 19.8 281.8 19.0
16 181.0 3.5 118.1 8.8
17 107.9 3.1 73.2 10.2
18 45.0 0.6 55.7 3.2
19 119.6 0.3 75.3 0.1
20 315.2 1.9 294.8 2.1
22 264.6 0.1 206.2 0.1
Total 21,969.4 2,741.4 18,505.5 2,278.0

 

Credit exposure to retail clients by overdue days
number of days overdue exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
0 20,910.2 2,722.6 17,534.3 2,259.8
1-30 434.3 16.9 421.9 15.4
31-60 102.5 1.1 96.2 1.6
61-90 37.3 0.3 39.3 0.4
91-120 18.3 0.3 17.3 0.1
121-150 15.2 0.1 14.7 0.1
151-180 14.4 0.1 11.5 0.0
>180 437.2 0.0 370.3 0.6
Total 21,969.4 2,741.4 18,505.5 2,278.0
 
4.2.1. Credit exposure with no impairment triggers
Credit exposure by risk grades
risk rating exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
2 1,095.3 63.3 961.0 37.2
4 4,340.3 546.1 3,402.9 288.4
5 1,921.3 109.3 5,914.5 196.4
6 5,307.0 610.2 68.5 172.4
7 0.0 0.0 285.4 6.3
8 26.8 82.7 2,321.6 210.3
9 2,778.8 206.8 214.6 192.9
10 170.4 98.6 203.3 118.6
11 1,299.5 130.5 1,052.7 129.0
12 393.4 37.1 476.7 73.6
13 611.4 83.6 1,334.9 158.6
14 2,462.1 743.9 1,164.3 650.8
15 529.8 19.8 281.8 19.0
16 181.0 3.5 118.1 8.8
17 107.9 3.1 73.2 10.2
18 45.0 0.6 55.7 3.2
19 119.6 0.3 75.3 0.1
Total 21,389.6 2,739.4 18,004.5 2,275.8

 

Credit exposure by overdue days
number of days overdue exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
0 20,851.3 2,721.1 17,491.3 2,258.3
1-30 416.2 16.6 404.1 15.3
31-60 90.2 1.0 81.4 1.6
61-90 27.2 0.3 24.2 0.4
91-120 1.1 0.2 1.1 0.1
121-150 0.8 0.1 0.5 0.1
151-180 0.5 0.1 0.4 0.0
>180 2.3 0.0 1.5 0.0
Total 21,389.6 2,739.4 18,004.5 2,275.8
 
4.2.2. Credit exposures impaired
Credit exposure by risk grades
risk rating exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
20 315.2 1.9 294.8 2.1
22 264.6 0.1 206.2 0.1
Total 579.8 2.0 501.0 2.2

 

Credit exposure by overdue days
number of days overdue exposure in PLN million
end of 2014 end of 2013
on-balance off-balance on-balance off-balance
0 58.9 1.5 43.0 1.5
1-30 18.1 0.3 17.8 0.1
31-60 12.3 0.1 14.8 0.0
61-90 10.1 0.0 15.1 0.0
91-120 17.2 0.1 16.2 0.0
121-150 14.4 0.0 14.2 0.0
151-180 13.9 0.0 11.1 0.0
>180 434.9 0.0 368.8 0.6
Total 579.8 2.0 501.0 2.2

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