35.4 Loans

Loans 31 December 2015 31 December 2014
Short-term 19,823,627 9,286,581
Long-term 23,579,424 5,407,900
Total loans and receivables 43,403,051 14,694,481
financial_assets_16_pzu2015.xlsx
 
Loans and receivables as at 31 December 2015 Carrying amount by maturity date
  up to 1 year over 1 year and up to 2 years over 2 years and up to 3 years over 3 years and up to 4 years over 4 years and up to 5 years over 5 years Total
Debt instruments 301,587 718,266 207,531 364,908 50,264 1,088,051 2,730,607
Government securities 4,020 938 - 1,843 - - 6,801
Fixed rate 4,020 938 - 1,843 - - 6,801
Other 297,567 717,328 207,531 363,065 50,264 1,088,051 2,723,806
Not listed on the regulated market 297,567 717,328 207,531 363,065 50,264 1,088,051 2,723,806
Floating rate 297,567 717,328 207,531 363,065 50,264 1,088,051 2,723,806
Other, including: 19,522,040 2,946,278 2,239,152 2,106,844 2,946,241 10,911,889 40,672,444
- loan receivables from clients 11,212,509 2,804,953 2,070,426 1,993,826 1,612,087 10,637,814 30,331,615
- buy sell-back transactions 3,132,740 - - - - - 3,132,740
- term deposits with credit institutions 5,081,175 - - 21,199 126,080 50,590 5,279,044
- loans 95,616 141,325 168,726 91,819 1,208,074 223,485 1,929,045
Total 19,823,627 3,664,544 2,446,683 2,471,752 2,996,505 11,999,940 43,403,051
financial_assets_17_pzu2015.xlsx
 
Loans and receivables as at 31 December 2014 Carrying amount by maturity date
  up to 1 year over 1 year and up to 2 years over 2 years and up to 3 years over 3 years and up to 4 years over 4 years and up to 5 years over 5 years Total
Debt instruments 31,938 704,738 722,721 214,196 61,336 1,255,626 2,990,555
Government securities 28,056 2,788 1,246 - 3,056 - 35,146
Fixed rate 28,056 2,788 1,246 - 3,056 - 35,146
Other 3,882 701,950 721,475 214,196 58,280 1,255,626 2,955,409
Listed on a regulated market 3,882 - - - - - 3,882
Fixed rate 3,882 - - - - - 3,882
Not listed on the regulated market - 701,950 721,475 214,196 58,280 1,255,626 2,951,527
Floating rate - 701,950 721,475 214,196 58,280 1,255,626 2,951,527
Other, including: 9,254,643 220,963 620,571 456,343 775,407 375,999 11,703,926
- buy sell-back transactions 3,250,173 - - - - - 3,250,173
- term deposits with credit institutions 5,958,563 124,525 - - 20,433 40,260 6,143,7811)
- loans 45,907 96,438 620,571 456,343 754,974 335,739 2,309,9722)
Total 9,286,581 925,701 1,343,292 670,539 836,743 1,631,625 14,694,481

1) For more than 89% of term deposits with credit institutions the maturity date fell before the end of March 2015.

2) Over 96% of loans and receivables are loans with collaterals such as pledges on shares, liability portfolios as well as bank accounts, other loans or other forms of collateral.

financial_assets_18_pzu2015.xlsx

The fair value of buy sell-back transactions and term deposits with credit institutions classified as Level III did not differ significantly from their carrying values due to their short-term nature.

Loan receivables from clients 31 December 2015
Retail segment 16,996,641
Operating credits 167,635
Consumer credits 8,538,699
Consumer Finance credits 755,044
Credits to acquire securities 119,069
Credit card credit 225,308
House purchase credits 6,317,227
Other mortgage loans 845,181
Other receivables 28,478
Business segment 13,334,974
Operating credits 7,306,525
Car loans 70,390
Investment credits 5,506,929
Purchased receivables (factoring) 376,403
Other receivables 74,727
Total loan receivables from clients 30,331,615
financial_assets_19_pzu2015.xlsx
 
Loans and receivables as at 31 December 2015 PLN EUR USD GBP Other Total
Debt instruments 2,723,806 - 1,965 - 4,836 2,730,607
Government securities - - 1,965 - 4,836 6,801
Fixed rate - - 1,965 - 4,836 6,801
Other 2,723,806 - - - - 2,723,806
Not listed on the regulated market 2,723,806 - - - - 2,723,806
Floating rate 2,723,806 - - - - 2,723,806
Other, including: 35,350,537 4,572,426 220,453 121,653 407,375 40,672,444
- loan receivables from clients 26,404,240 3,528,454 81,357 121,653 195,911 30,331,615
- buy sell-back transactions 3,132,740 - - - - 3,132,740
- term deposits with credit institutions 4,035,062 897,196 135,322 - 211,464 1) 5,279,044
- loans 1,778,495 146,776 3,774 - - 1,929,045
Total loans and receivables 38,074,343 4,572,426 222,418 121,653 412,211 43,403,051

1) including e.g. CZK, UAH, NOK

financial_assets_20_pzu2015.xlsx

Loans and receivables as at 31 December 2014 PLN EUR HUF UAH Other Total
Debt instruments 2,951,527 - - 13,112 25,916 2,990,555
Government securities - - - 9,230 25,916 35,146
Fixed rate - - - 9,230 25,916 35,146
Other 2,951,527 - - 3,882 - 2,955,409
Listed on a regulated market - - - 3,882 - 3,882
Fixed rate - - - 3,882 - 3,882
Not listed on the regulated market 2,951,527 - - - - 2,951,527
Floating rate 2,951,527 - - - - 2,951,527
Other, including: 10,057,726 1,137,511 380,702 72,068 55,919 11,703,926
- buy sell-back transactions 3,250,173 - - - - 3,250,173
- term deposits with credit institutions 4,642,200 1,005,698 380,702 59,262 55,919 6,143,781
- loans 2,165,353 131,813 - 12,806 - 2,309,972
Total loans and receivables 13,009,253 1,137,511 380,702 85,180 81,835 14,694,481
financial_assets_21_pzu2015.xlsx