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LOANS, NET (Tables) | 12 Months Ended
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Dec. 31, 2017
Disclosure of Loans, Net [Abstract] |
Disclosure of detailed information about loans and advances [text block] |
a) | This item consists of the following:
|  | 2017 |  | 2016 |
|  | S/(000) |  | S/(000) |
Direct loans |  |  |  |  |  |  |
Loans |  |  | 77,712,186 |  |  | 71,792,562 |
Leasing receivables |  |  | 7,401,018 |  |  | 8,302,898 |
Credit cards |  |  | 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 |
|  |  | 99,764,914 |  |  | 94,099,389 |
Add (less) - |  |  |  |  |  |  |
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 (d) |  |  | (4,500,498) |  |  | (4,207,133) |
Total direct loans, net |  |  | 95,977,277 |  |  | 90,561,768 |
Indirect loans, Note 20(a) |  |  | 19,369,559 |  |  | 19,831,985 |
Disclosure of detailed information about classification of direct loans [text block] |
b) | Direct loans by class are as follows:
|  | 2017 |  | 2016 |
|  | S/(000) |  | S/(000) |
Commercial loans |  |  | 58,455,548 |  |  | 54,133,871 |
Residential mortgage loans |  |  | 15,452,087 |  |  | 14,495,454 |
Micro-business loans |  |  | 13,927,557 |  |  | 12,951,628 |
Consumer loans |  |  | 11,929,722 |  |  | 12,518,436 |
Total |  |  | 99,764,914 |  |  | 94,099,389 |
Disclosure of detailed information about the movement in the allowance for loan losses [text block] |
d) | The movement in the allowance for loan losses (direct and indirect loans) is shown below:
|  | 2017 |
|  |  |  | Residential |  | Micro-business |  |  |  |  |
|  | Commercial loans |  | mortgage loans |  | loans |  | Consumer loans |  | Total |
|  | S/(000) |  | S/(000) |  | S/(000) |  | S/(000) |  | S/(000) |
Balances at the beginning of the period |  |  | 1,235,970 |  |  | 193,385 |  |  | 1,353,168 |  |  | 1,634,169 |  |  | 4,416,692 |
Provision, net of recoveries |  |  | 715,072 |  |  | 49,505 |  |  | 522,885 |  |  | 501,703 |  |  | 1,789,165 |
Recovery of written-off loans |  |  | 22,857 |  |  | 1,158 |  |  | 54,046 |  |  | 190,252 |  |  | 268,313 |
Loan portfolio written-off |  |  | (217,160) |  |  | (10,662) |  |  | (437,594) |  |  | (760,785) |  |  | (1,426,201) |
Exchange difference and others |  |  | (76,613) |  |  | (5,099) |  |  | (15,927) |  |  | (7,322) |  |  | (104,961) |
Balances at the end of the period (*) |  |  | 1,680,126 |  |  | 228,287 |  |  | 1,476,578 |  |  | 1,558,017 |  |  | 4,943,008 |
|  | 2016 |
|  |  |  | Residential |  | Micro-business |  |  |  |  |
|  | Commercial loans |  | mortgage loans |  | Loans |  | Consumer loans |  | Total |
|  | S/(000) |  | S/(000) |  | S/(000) |  | S/(000) |  | S/(000) |
Balances at the beginning of the period |  |  | 1,197,713 |  |  | 173,879 |  |  | 1,372,099 |  |  | 1,288,528 |  |  | 4,032,219 |
Provision, net of recoveries |  |  | 25,567 |  |  | 26,845 |  |  | 538,233 |  |  | 1,194,850 |  |  | 1,785,495 |
Recovery of written-off loans |  |  | 219,986 |  |  | 814 |  |  | 50,588 |  |  | 6,326 |  |  | 277,714 |
Loan portfolio written-off |  |  | (143,871) |  |  | (7,877) |  |  | (606,546) |  |  | (853,844) |  |  | (1,612,138) |
Exchange difference and others |  |  | (63,425) |  |  | (276) |  |  | (1,206) |  |  | (1,691) |  |  | (66,598) |
Balances at the end of the period (*) |  |  | 1,235,970 |  |  | 193,385 |  |  | 1,353,168 |  |  | 1,634,169 |  |  | 4,416,692 |
|  | 2015 |
|  |  |  | Residential |  | Micro-business |  |  |  |  |
|  | Commercial loans |  | mortgage loans |  | loans |  | Consumer loans |  | Total |
|  | S/(000) |  | S/(000) |  | S/(000) |  | S/(000) |  | S/(000) |
Balances at the beginning of the period |  |  | 556,270 |  |  | 165,138 |  |  | 1,124,072 |  |  | 1,256,616 |  |  | 3,102,096 |
Provision, net of recoveries |  |  | 732,834 |  |  | (321) |  |  | 512,052 |  |  | 636,333 |  |  | 1,880,898 |
Recovery of written-off loans |  |  | 157,790 |  |  | 362 |  |  | 7,333 |  |  | 5,794 |  |  | 171,279 |
Loan portfolio written-off |  |  | (341,067) |  |  | (4,936) |  |  | (403,993) |  |  | (721,326) |  |  | (1,471,322) |
Exchange difference and others |  |  | 91,886 |  |  | 13,636 |  |  | 132,635 |  |  | 111,111 |  |  | 349,268 |
Balances at the end of the period (*) |  |  | 1,197,713 |  |  | 173,879 |  |  | 1,372,099 |  |  | 1,288,528 |  |  | 4,032,219 |
| (*) | The movement in the allowance for loan losses includes the allowance for direct and indirect loans for approximately S/4,500.5 million and S/442.5 million, respectively, at December 31, 2017 (approximately S/4,207.1 million and S/209.6 million, respectively, at December 31, 2016 and approximately S/3,840.3 million and S/191.9 million, respectively, at December 31, 2015). The allowance for indirect loan losses is included in “Other liabilities” of the consolidated statement of financial position, Note 12(a). In Management’s opinion, the allowance for loan losses recorded as of December 31, 2017, 2016 and 2015 has been established in accordance with IAS 39 and is sufficient to cover incurred losses on the loan portfolio.
Disclosure of detailed information about direct gross loan on maturity basis [text block] |
f) | The table below shows the gross direct loan portfolio at December 31, 2017 and 2016 by maturity based on the remaining period to repayment due date:
|  | 2017 |  | 2016 |
|  | S/(000) |  | S/(000) |
Outstanding loans - |  |  |  |  |  |  |
Up to 1 year |  |  | 38,052,430 |  |  | 35,455,309 |
From 1 to 3 years |  |  | 20,167,475 |  |  | 19,214,591 |
From 3 to 5 years |  |  | 12,082,996 |  |  | 11,907,513 |
Over 5 years |  |  | 26,441,099 |  |  | 24,901,565 |
|  |  | 96,744,000 |  |  | 91,478,978 |
Internal overdue loans - |  |  |  |  |  |  |
Overdue 90 days |  |  | 639,329 |  |  | 539,947 |
Over 90 days |  |  | 2,381,585 |  |  | 2,080,464 |
|  |  | 3,020,914 |  |  | 2,620,411 |
|  |  | 99,764,914 |  |  | 94,099,389 |

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