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LOANS, NET (Details) - PEN (S/) S/ in Thousands | Dec. 31, 2017 | Dec. 31, 2016
--- | --- | ---
Direct loans |  |  |
Loans |  | S/ 77,712,186 | S/ 71,792,562
Leasing receivables |  | 7,401,018 | 8,302,898
Credit card |  | 6,880,017 | 7,036,975
Discounted notes |  | 1,999,099 | 1,921,403
Factoring receivables |  | 1,722,436 | 1,428,571
Advances and overdrafts in current account |  | 113,630 | 151,613
Refinanced loans |  | 915,493 | 844,830
Restructured loans |  | 121 | 126
Total direct loans |  | 96,744,000 | 91,478,978
Internal overdue loans and under legal collection loans |  | 3,020,914 | 2,620,411
Direct loans including internal overdue loans and under legal collection loans |  | 99,764,914 | 94,099,389
Accrued interest |  | 779,684 | 784,391
Unearned interest |  | (66,823) | (114,879)
Total direct loans |  | 100,477,775 | 94,768,901
Allowance for loan losses |  | (4,500,498) | (4,207,133)
Total direct loans, net |  | 95,977,277 | 90,561,768
Indirect loans, Note 20 | [1] | S/ 19,369,559 | S/ 19,831,985
[1] | In the normal course of their business, the Group’s banking subsidiaries are party to transactions with off-balance sheet risk. These transactions expose them to credit risk in addition to the amounts recognized in the consolidated statement of financial position. Credit risk for contingent credits is defined as the possibility of sustaining a loss because one of the parties to a financial instrument fails to comply with the terms of the contract. The risk of credit losses is represented by the contractual amounts specified in the related contracts. The Group applies the same credit policies in making contingent commitments and other obligations as it does for on-balance sheet instruments (Note 7(a)), including the requirement to obtain collateral when it is deemed necessary.

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- Definition Short term loans given on credit cards. + References No definition available. + Details
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- Definition The amount that has been withdrawn from an account in excess of existing cash balances. This is considered a short-term extension of credit by the bank to the customers. + References No definition available. + Details
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- References No definition available. + Details
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- Definition The amount of direct loans including internally overdue loans. + References No definition available. + Details
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- Definition The amount of Internal overdue loans and under legal collection loans. + References No definition available. + Details
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- Definition The amout of indirect loans those are not recorded in the balance sheet since they are off-balance sheet items. + References No definition available. + Details
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- Definition The amount of loans those are refinanced. + References No definition available. + Details
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- Definition The amount of non-derivative financial assets with fixed or determinable payments that are not quoted in an active market, other than: (a) those that the entity intends to sell immediately or in the near term, which shall be classified as held for trading, and those that the entity, upon initial recognition, designates as at fair value through profit or loss; (b) those that the entity, upon initial recognition, designates as available for sale; or (c) those for which the holder may not recover substantially all of its initial investment, other than because of credit deterioration, which shall be classified as available for sale. An interest acquired in a pool of assets that are not loans or receivables (for example, an interest in a mutual fund or a similar fund) is not a loan or receivable. [Refer: Derivative financial assets] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Note Expiry date 2018-01-01 -Name IFRS -Number 7 -IssueDate 2017-01-01 -Paragraph 8 -Subparagraph c -URI http://eifrs.ifrs.org/eifrs/XBRL?type=IFRS&num=7&date=2017-03-02&anchor=para_8_c&doctype=Standard&book=B -URIDate 2017-03-09 + Details
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