spisanie kredytów w ciężar rezerw
English translation: write off loans against provisions
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| 08:48 Mar 6, 2012 |
| Polish to English translations [PRO] Bus/Financial - Finance (general) | |||||||
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|  Selected response from: Anna Dzidowska Poland Local time: 20:53 | ||||||
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| 4 | write off loans against provisions |
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| 3 | charging loans to provisions |
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Answers
15 mins confidence: 
charging loans to provisions Explanation: http://www.businesswire.com/news/home/20041004005508/en/Bank... CHANGE IN PROVISIONS FOR LOANS TO THE FINANCIAL SECTOR 30.06.2004 31.12.2003 30.06.2003 ------------------------------------------------------------- ----------------- ------------------------------------ 1. Opening balance of provisions for loans to financial sector 135,602 136,174 136,174 ------------------------------------------------------------- ----------------- ---------------- a) increase: 9,714 62,763 34,442 ------------------------------------------------------------- ----------------- ---------------- - charge to provisions 8,559 55,667 27,322 ------------------------------------------------------------- ----------------- ---------------- - shift between sectors 1,155 4,386 4,386 ------------------------------------------------------------- ----------------- ---------------- - valuation-related adjustment - 2,710 2,734 ------------------------------------------------------------- ----------------- ---------------- b) use -8,994 -242 -1 ------------------------------------------------------------- ----------------- ---------------- - loan charged to provisions -8,994 -242 -1 http://pol.proz.com/kudoz/polish_to_english/bus_financial/42... -------------------------------------------------- Note added at 21 mins (2012-03-06 09:10:24 GMT) -------------------------------------------------- Albo lepiej: loan provision charges http://www.iii.co.uk/investment/detail/?display=news&code=co... "Difficult market conditions in the property markets, particularly in the Turks and Caicos Islands, have caused non-performing loans to increase resulting in $16.4 million of interest reversal and loan provision charges on non-performing loans in fiscal 2009, $5.5 million of which was charged in the fourth quarter." |
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3 hrs confidence:
write off loans against provisions Explanation: Tak się to powszechnie nazywa. W dużym uproszczeniu - są różne grupy ryzyka kredytowego, np. normalne, pod obserwacją, wątpliwe, stracone itd, które pokazują, jak obsługiwane jest zadłużenie i jaka jest sytuacja dłużnika. Jeżeli pojawią się jakieś trudności w obsłudze zadłużenia, wówczas bank zawiązuje rezerwę. Jeżeli widać, że szanse na spłatę kredytu są praktycznie żadne, to bank spisuje go w ciężar rezerw, czyli pomniejsza kwotę rezerw i traktuje kredyt jako swoją stratę. Zdarza się też, że kredyt spisany w ciężar rezerw w jednym okresie zostanie odzyskany w innym. |
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