GENERAL MEETING DRAFT - Bankier.pl

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>> Consolidated Financial Statements
Part B – Consolidated Balance Sheet – Liabilities
1.4 Deposit from banks: liability items subject to micro-hedging (� '000)
Type of transactions/Values
Amounts as at
12.31.2009 12.31.2008
1. Liability items subject to micro-hedging of fair value 155,261 598,364
a) Interest rate risk - 485,956
b) Currency risk - -
c) Multiple risks 155,261 112,408
2. Liability items subject to micro-hedging of cash flows 206,649 536,943
a) Interest rate risk 179,296 274,166
b) Currency risk - -
c) Other 27,353 262,777
Total 361,910 1,135,307
1.5 Amounts payable under finance leases
There are no amounts payable to banks under finance leases.
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Deposits from customers decreased by �7,208m (or 2%), from �388,831m at end 2008 to �381,623m
at end 2009.
In average terms 6 this item was down by 4%, from �402,522m in 2008 to �384,977m in 2009.
The average cost of these deposits was 1.50% in 2009, down from 3.08% in 2008.
2.1 Deposits from customers: product breakdown (� '000)
Type of transactions/Values
Amounts as at
12.31.2009 12.31.2008
1. Current accounts and demand deposits 217,353,447 197,010,486
2. Time deposits 111,557,776 121,471,020
3. Loans 29,726,942 44,831,199
3.1 repos 20,471,063 30,169,624
3.2 other 9,255,879 14,661,575
4. Liabilities in respect of commitments to repurchase treasury shares 528,773 -
5. Other liabilities 22,456,352 25,518,061
Total 381,623,290 388,830,766
Fair Value 381,390,731 388,639,132
Loans also include liabilities relating to repos executed using proprietary securities issued by Group companies, which were eliminated from assets on
consolidation.
2.2 Breakdown of item 20 "Deposits from customers": subordinated debts (� '000)
Amounts as at
12.31.2009 12.31.2008
Deposits from customers: subordinated debts 561,781 651,768
6 The average balances and related ratios (yield/costs) were calculated by considering the assets/liabilities balances at the end of each quarter in 2009
and at end 2008. In particular, loans to customers and banks include total impairment losses.