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37.2 Quantitative data

Annual Report 2019 > 37.2 Quantitative data
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Best Pratices in PZU
Loan receivables from clients measured at amortized cost 1 January – 31 December 2019 1 January – 31 December 2018
  Basket 1 Basket 2 Basket 3 POCI Total Basket 1 Basket 2 Basket 3 POCI Total
Gross carrying amount                    
Balance at the beginning of the period 159,612 16,069 7,855 7,165 190,701 147,695 13,816 4,049 12,152 177,712
Recognition of instruments at the time of acquisition, creation, granting 58,360 - - 5 58,365 47,886 - - 2 47,888
Changes attributable to valuation, sale, exclusion or expiration of the instrument (39,687) (1,855) (511) (1,116) (43,169) (30,666) (282) 5,069 (5,031) (30,910)
Change attributable to modification of cash flows concerning the given instrument (2) - - - (2) - - (1) 1 -
Assets written down from the balance sheet - (50) (1,015) - (1,065) - - (4,290) (12) (4,302)
Reclassification to basket 1 6,125 (6,064) (61) - - 4,915 (4,851) (64) - -
Reclassification to basket 2 (11,063) 11,380 (317) - - (8,987) 9,399 (412) - -
Reclassification to basket 3 (2,789) (1,997) 4,786 - - (1,740) (1,809) 3,549 - -
Other changes (272) 126 243 - 97 509 (204) (45) 53 313
Balance at the end of the period 170,284 17,609 10,980 6,054 204,927 159,612 16,069 7,855 7,165 190,701
                     
Expected credit losses                    
Balance at the beginning of the period (870) (1,189) (3,601) (4,801) (10,461) 401 (1,821) (2,498) (8,097) (12,015)
Establishment of allowances for newly acquired, created, granted instruments (815) - - (3) (818) (150) (2) - - (152)
Changes attributable to valuation, credit risk level, sale, exclusion or expiration of the instrument, excluding reclassification 1,007 (501) (2,186) 452 (1,228) (982) 267 (5,405) 3,345 (2,775)
Assets written down from the balance sheet - 50 1,015 - 1,065 - - 4,290 12 4,302
Reclassification to basket 1 (371) 347 24 - - (309) 281 28 - -
Reclassification to basket 2 134 (238) 104 - - 90 (172) 82 - -
Reclassification to basket 3 132 224 (356) - - 65 257 (322) - -
Other changes (17) (14) (247) 37 (241) 15 1 224 (61) 179
Balance at the end of the period (800) (1,321) (5,247) (4,315) (11,683) (870) (1,189) (3,601) (4,801) (10,461)
Net carrying amount at the end of the period 169,484 16,288 5,733 1,739 193,244 158,742 14,880 4,254 2,364 180,240
   
Loan receivables from clients measured at fair value through other comprehensive income 1 January – 31 December 2019 1 January – 31 December 2018
  Basket 1 Basket 2 Basket 3 POCI Total Basket 1 Basket 2 Basket 3 POCI Total
Carrying amount                    
Balance at the beginning of the period 1,511 - - - 1,511 1,556 - - - 1,556
Recognition of instruments at the time of acquisition, creation, granting 571 - - - 571 401 - - - 401
Change in measurement - (6) - - (6) 49 - - - 49
Changes attributable to sale, exclusion or expiration of the instrument (686) (16) - - (702) (490) - - - (490)
Reclassification to basket 2 (624) 624 - - - - - - - -
Other changes - 7 - - 7 (5) - - - (5)
Balance at the end of the period 772 609 - - 1,381 1,511 - - - 1,511
                     
Expected credit losses                    
Balance at the beginning of the period (14) - - - (14) (18) - - - (18)
Establishment of allowances for newly acquired, created, granted instruments (2) - - - (2) (1) - - - (1)
Changes attributable to valuation or credit risk level (excluding reclassification) 2 (9) - - (7) 3 - - - 3
Changes attributable to sale, exclusion or expiration of the instrument 3 - - - 3 2 - - - 2
Reclassification to basket 2 8 (8) - - - - - - - -
Other changes (1) - - - (1) - - - - -
Balance at the end of the period (4) (17) - - (21) (14) - - - (14)

The allowance pertaining to loan receivables from clients measured at fair value through other comprehensive income is recognized in revaluation reserve and it does not lower the carrying amount of assets.

   
Debt investment financial assets measured at amortized cost 1 January – 31 December 2019 1 January – 31 December 2018
  Basket 1 Basket 2 Basket 3 POCI Total Basket 1 Basket 2 Basket 3 POCI Total
Gross carrying amount                    
Balance at the beginning of the period 34,657 35 33 2 34,727 32,450 186 31 16 32,683
Recognition of instruments at the time of acquisition, creation, granting 9,538 - - - 9,538 5,705 - - - 5,705
Change in measurement 683 - - - 683 757 2 1 (2) 758
Changes attributable to sale, exclusion or expiration of the instrument (9,112) - - (2) (9,114) (4,318) (153) - (12) (4,483)
Reclassification to basket 2 (332) 332 - - - - - - - -
Other changes, including foreign exchange differences 180 1 1 - 182 63 - 1 - 64
Balance at the end of the period 35,614 368 34 - 36,016 34,657 35 33 2 34,727
                     
Expected credit losses                    
Balance at the beginning of the period (35) (7) (33) - (75) (38) (17) (31) - (86)
Establishment of allowances for newly acquired, created, granted instruments (6) - - - (6) (5) - - - (5)
Changes attributable to valuation or credit risk level (excluding reclassification) (4) (3) - - (7) (1) 1 (1) - (1)
Changes attributable to sale, exclusion or expiration of the instrument 5 - - - 5 5 9 - - 14
Reclassification to basket 2 9 (9) - - - - - - - -
Other changes, including foreign exchange differences (2) - (1) - (3) 4 - (1) - 3
Balance at the end of the period (33) (19) (34) - (86) (35) (7) (33) - (75)
Net carrying amount at the end of the period 35,581 349 - - 35,930 34,622 28 - 2 34,652

Value of allowances for expected credit losses concerning buy-sell-back transactions is zero.

   
Debt investment financial assets measured at fair value through other comprehensive income 1 January – 31 December 2019 1 January – 31 December 2018
  Basket 1 Basket 2 Basket 3 POCI Total Basket 1 Basket 2 Basket 3 POCI Total
Carrying amount                    
Balance at the beginning of the period 38,142 73 - - 38,215 50,181 74 - - 50,255
Recognition of instruments at the time of acquisition, creation, granting 203,057 - - - 203,057 136,513 - - - 136,513
Change in measurement 725 (5) - - 720 89 1 - - 90
Change attributable to modification of cash flows concerning the given instrument (8) - - - (8) (1) - - - (1)
Changes attributable to sale, exclusion or expiration of the instrument (187,893) - - - (187,893) (149,227) (2) - - (149,229)
Reclassification to basket 2 (87) 87 - - - - - - - -
Other changes, including foreign exchange differences 601 1 - - 602 587 - - - 587
Balance at the end of the period 54,537 156 - - 54,693 38,142 73 - - 38,215
                     
Expected credit losses                    
Balance at the beginning of the period (37) (3) - - (40) (31) (6) - - (37)
Establishment of allowances for newly acquired, created, granted instruments (18) - - - (18) (20) - - - (20)
Changes attributable to valuation or credit risk level (excluding reclassification) (1) 2 - - 1 4 1 - - 5
Changes attributable to sale, exclusion or expiration of the instrument 14 - - - 14 10 2 - - 12
Reclassification to basket 2 1 (1) - - - - - - - -
Balance at the end of the period (41) (2) - - (43) (37) (3) - - (40)

The allowance pertaining to debt investment financial assets measured at fair value through other comprehensive income is recognized in revaluation reserve and it does not lower the carrying amount of assets.

   
Term deposits with credit institutions 1 January – 31 December 2019 1 January – 31 December 2018
  Basket 1 Basket 2 Basket 3 POCI Total Basket 1 Basket 2 Basket 3 POCI Total
Gross carrying amount                    
Balance at the beginning of the period 2,770 1 9 - 2,780 1,841 1 21 - 1,863
Recognition of instruments at the time of acquisition, creation, granting 228,598 - - - 228,598 143,630 - - - 143,630
Change in measurement 4 - - - 4 9 - - - 9
Changes attributable to sale, exclusion or expiration of the instrument (229,902) - - - (229,902) (143,300) - - - (143,300)
Other changes (15) - (9)   (24) 590 - (12) - 578
Balance at the end of the period 1,455 1 - - 1,456 2,770 1 9 - 2,780
                     
Expected credit losses                    
Balance at the beginning of the period (2) - (9) - (11) (1) - (21) - (22)
Establishment of allowances for newly acquired, created, granted instruments (6) - - - (6) (2) - - - (2)
Changes attributable to valuation or credit risk level (excluding reclassification) 2 - - - 2 1 - - - 1
Other changes 4 - 9 - 13 - - 12 - 12
Balance at the end of the period (2) - - - (2) (2) - (9) - (11)
Net carrying amount at the end of the period 1,453 1 - - 1,454 2,768 1 - - 2,769
   
Loans 1 January – 31 December 2019 1 January – 31 December 2018
  Basket 1 Basket 2 Basket 3 POCI Total Basket 1 Basket 2 Basket 3 POCI Total
Gross carrying amount                    
Balance at the beginning of the period 4,595 - - - 4,595 3,699 - - - 3,699
Recognition of instruments at the time of acquisition, creation, granting 547 - - - 547 1,077 - - - 1,077
Change in measurement 14 - - - 14 83 - - - 83
Changes attributable to sale, exclusion or expiration of the instrument (577) (61) - - (638) (264) - - - (264)
Reclassification to basket 2 (61) 61 - - -          
Other changes (1) - - - (1)          
Balance at the end of the period 4,517 - - - 4,517 4,595 - - - 4,595
                     
Expected credit losses                    
Balance at the beginning of the period (60) - - - (60) (46) - - - (46)
Establishment of allowances for newly acquired, created, granted instruments (2) - - - (2) (16) - - - (16)
Changes attributable to valuation or credit risk level (excluding reclassification) 33 (2) - - 31 2 - - - 2
Changes attributable to sale, exclusion or expiration of the instrument 1 3 - - 4          
Reclassification to basket 2 1 (1) - - -          
Balance at the end of the period (27) - - - (27) (60) - - - (60)
Net carrying amount at the end of the period 4,490 - - - 4,490 4,535 - - - 4,535

The allowance pertaining to loan receivables from clients measured at fair value through other comprehensive income is recognized in revaluation reserve and it does not lower the carrying amount of assets.

 
Receivables 1 January – 31 December 2019 1 January – 31 December 2018
Gross carrying amount    
Balance at the beginning of the period 7,282 9,950
Changes in the period (457) (2,668)
Balance at the end of the period 6,825 7,282
     
Expected credit losses    
Balance at the beginning of the period (939) (823)
Changes in the period (149) (116)
Balance at the end of the period (1,088) (939)
Net carrying amount at the end of the period 5,737 6,343