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DEPOSITS AND OBLIGATIONS | 12 Months Ended
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Dec. 31, 2017
Disclosure of Deposits and Obligations [Abstract] |
Disclosure of deposits from customers [text block] |
13 | DEPOSITS AND OBLIGATIONS
a) | This item consists of the following:
|  | 2017 |  | 2016 |
|  | S/(000) |  | S/(000) |
Demand deposits |  |  | 29,770,276 |  |  | 28,506,270 |
Time deposits (c) |  |  | 30,184,314 |  |  | 22,531,305 |
Saving deposits |  |  | 28,633,099 |  |  | 26,684,134 |
Severance indemnity deposits |  |  | 7,170,934 |  |  | 7,117,685 |
Bank’s negotiable certificates |  |  | 959,051 |  |  | 743,726 |
Total |  |  | 96,717,674 |  |  | 85,583,120 |
Interest payable |  |  | 452,737 |  |  | 333,267 |
Total |  |  | 97,170,411 |  |  | 85,916,387 |
The Group has established a policy to remunerate demand deposits and savings deposits according to an interest rate scale, based on the average balance maintained in those accounts; on the other hand, according to its policy, balances that are lower than a specified amount for each type of account do not bear interest. Also, time deposits earn interest at market rates. Interest rates are determined by the Group considering the interest rates prevailing in the market in which each of the Group’s subsidiaries operates.
b) | The amounts of non-interest-bearing and interest-bearing deposits and obligations are presented below:
|  | 2017 |  | 2016 |
|  | S/(000) |  | S/(000) |
Non-interest-bearing - |  |  |  |  |  |  |
In Peru |  |  | 26,786,474 |  |  | 24,718,582 |
In other countries |  |  | 2,596,435 |  |  | 3,366,109 |
|  |  | 29,382,909 |  |  | 28,084,691 |
Interest-bearing - |  |  |  |  |  |  |
In Peru |  |  | 60,372,602 |  |  | 52,472,191 |
In other countries |  |  | 6,962,163 |  |  | 5,026,238 |
|  |  | 67,334,765 |  |  | 57,498,429 |
Total |  |  | 96,717,674 |  |  | 85,583,120 |
c) | The balance of time deposits classified by maturity is as follows:
|  | 2017 |  | 2016 |
|  | S/(000) |  | S/(000) |
Up to 3 months |  |  | 15,152,619 |  |  | 11,017,649 |
From 3 months to 1 year |  |  | 8,735,918 |  |  | 6,614,180 |
From 1 to 3 years |  |  | 3,478,314 |  |  | 2,770,452 |
From 3 to 5 years |  |  | 702,962 |  |  | 777,729 |
Over 5 years |  |  | 2,114,501 |  |  | 1,351,295 |
Total |  |  | 30,184,314 |  |  | 22,531,305 |
As of December 31, 2017 and 2016, Management considers the Group’s deposits and obligations are diversified with no significant concentrations. At December 31, 2017 and 2016, of the total balance of deposits and obligations in Peru, approximately S/30,064.8 million and S/28,239.3 million are secured by the Peruvian “Fondo de Seguro de Depósitos” (Deposit Insurance Fund). At said dates, maximum coverage recognized by “Fondo de Seguro de Depósitos” totaled S/97,529 and S/97,644, respectively.

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- Definition The disclosure of deposits from customers. [Refer: Deposits from customers] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2017-01-01 -Paragraph 10 -Subparagraph e -URI http://eifrs.ifrs.org/eifrs/XBRL?type=IAS&num=1&date=2017-03-01&anchor=para_10_e&doctype=Standard -URIDate 2017-03-09 + Details
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