3.8. Currency risk

The Group is exposed to changes in currency exchange rates. The following tables present the exposure of the Group to currency risk as at 31 December 2014 and 31 December 2013. The tables present assets and liabilities of the Group at balance sheet carrying amount, for each currency:

 
31.12.2014 PLN EUR USD CHF CZK Other Total
ASSETS
Cash and balances with the Central Bank 2 928 696 71 888 13 590 1 881 26 591 11 903 3 054 549
Loans and advances to banks 2 097 640 795 082 493 600 5 292 249 455 110 346 3 751 415
Trading securities 1 163 944 - - - - - 1 163 944
Derivative financial instruments 4 490 735 316 206 32 713 19 807 4 883 1 173 4 865 517
Loans and advances to customers 38 523 638 13 315 492 1 331 869 18 949 649 2 268 520 193 182 74 582 350

Hedge accounting adjustments related to fair value of hedged
items

- - - - 461 - 461
Investment securities 26 188 304 676 526 - - 813 784 - 27 678 614
Non-current assets held for sale 285 009 185 903 1 724 - 99 965 4 237 576 838
Intangible assets 464 899 293 - - 434 - 465 626
Tangible fixed assets 706 883 3 650 - - 6 844 - 717 377
Other assets, including tax assets 1 019 280 63 441 11 253 - 13 253 21 904 1 129 131
T o t a l   a s s e t s 77 869 028 15 428 481 1 884 749 18 976 629 3 484 190 342 745 117 985 822
LIABILITIES
Amounts due to the Central Bank - - - - - - -
Amounts due to other banks 1 922 740 251 510 3 516 11 189 925 16 138 - 13 383 829
Derivative financial instruments 4 516 135 162 691 40 157 - - 73 4 719 056
Amounts due to customers 55 753 910 10 420 148 1 400 101 480 565 3 794 164 573 591 72 422 479
Debt securities in issue 2 243 632 7 310 874 - 710 272 76 964 - 10 341 742

Hedge accounting adjustments related to fair value of hedged
items - debt securities in issue

- 87 587 - 14 380 1 415 - 103 382
Liabilities held for sale 178 778 46 812 1 805 2 810 45 837 299 276 341
Other liabilities including tax liabilities 1 164 181 99 483 47 275 2 629 39 822 8 018 1 361 408
Provisions 170 405 4 306 282 11 1 867 10 176 881
Subordinated liabilities 1 251 846 - - 2 875 878 - - 4 127 724
T o t a l   l i a b i l i t i e s 67 201 627 18 383 411 1 493 136 15 276 470 3 976 207 581 991 106 912 842
Net on-balance sheet position 10 667 401 (2 954 930) 391 613 3 700 159 (492 017) (239 246) 11 072 980
Loan commitments and other commitments 17 713 880 1 450 929 384 434 - 333 067 1 092 19 883 402

Guarantees, banker's acceptances, documentary and
commercial letters of credit

2 744 417 768 976 72 579 - 2 482 21 923 3 610 377
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31.12.2013 PLN EUR USD CHF CZK Other Total
ASSETS
Cash and balances with the Central Bank 1 520 978 59 639 6 767 596 57 492 4 995 1 650 467
Loans and advances to banks 1 669 403 734 107 863 453 2 397 109 436 92 445 3 471 241
Trading securities 763 064 - - - - - 763 064
Derivative financial instruments 2 221 073 84 843 39 207 (5 331) 8 538 1 255 2 349 585
Loans and advances to customers 33 453 008 12 162 402 1 212 258 19 356 235 1 842 279 184 203 68 210 385

Hedge accounting adjustments related to fair value of hedged
items

- - - - 970 - 970
Investment securities 24 317 545 223 830 - - 800 388 - 25 341 763
Intangible assets 451 387 336 - - 3 622 - 455 345
Tangible fixed assets 698 584 3 734 - - 7 234 - 709 552
Other assets, including tax assets 1 216 235 46 135 44 920 273 22 809 17 1 330 389
T o t a l   a s s e t s 66 311 277 13 315 026 2 166 605 19 354 170 2 852 768 282 915 104 282 761
LIABILITIES
Amounts due to the Central Bank - - - - - - -
Amounts due to other banks 4 318 863 367 930 415 758 13 791 309 330 150 172 19 224 182
Derivative financial instruments  2 360 598 77 921 26 756 12 669 (18 436) 207 2 459 715
Amounts due to customers 46 964 090 9 237 764 1 765 668 426 830 3 093 800 185 375 61 673 527
Debt securities in issue 2 194 093 2 456 011 - 676 225 75 727 - 5 402 056

Hedge accounting adjustments related to fair value of hedged
items - debt securities in issue

- (4 256) - 156 (249) - (4 349)
Other liabilities including tax liabilities 1 085 930 97 764 43 367 2 712 41 939 8 495 1 280 207
Provisions 216 143 9 695 805 783 789 13 228 228
Subordinated liabilities 501 879 - - 3 260 878 - - 3 762 757
T o t a l   l i a b i l i t i e s 57 641 596 12 242 829 2 252 354 18 171 562 3 523 720 194 262 94 026 323
               
Net on-balance sheet position 8 669 681 1 072 197 (85 749) 1 182 608 (670 952) 88 653 10 256 438
Loan commitments and other commitments 15 951 486 2 080 225 184 922 - 200 621 - 18 417 254

Guarantees, banker's acceptances, documentary and
commercial letters of credit

2 327 007 716 831 98 193 930 35 608 9 678 3 188 247
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