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DEPOSITS AND OBLIGATIONS | 12 Months Ended
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Dec. 31, 2022
DEPOSITS AND OBLIGATIONS [Abstract] |
DEPOSITS AND OBLIGATIONS |
14 | DEPOSITS AND OBLIGATIONS
| a) | This item consists of the following:
|  | 2022 |  |  | 2021 |
|  | S/(000) |  |  | S/(000) |
Saving deposits |  |  | 54,769,045 |  |  |  | 56,945,262 |
Demand deposits |  |  | 48,467,248 |  |  |  | 58,629,661 |
Time deposits (c) |  |  | 37,478,269 |  |  |  | 27,923,803 |
Severance indemnity deposits |  |  | 3,824,629 |  |  |  | 4,017,065 |
Bank’s negotiable certificates |  |  | 1,418,740 |  |  |  | 1,327,690 |
Total |  |  | 145,957,931 |  |  |  | 148,843,481 |
Interest payable |  |  | 1,062,856 |  |  |  | 753,064 |
Total |  |  | 147,020,787 |  |  |  | 149,596,545 |
The Group has established a policy to remunerate demand deposits and savings accounts according to a growing 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:
|  | 2022 |  |  | 2021 |
|  | S/(000) |  |  | S/(000) |
Non-interest-bearing - |  |  |  |  |  |  |  |
In Peru |  |  | 39,370,497 |  |  |  | 45,909,164 |
In other countries |  |  | 3,975,654 |  |  |  | 5,942,042 |
|  |  | 43,346,151 |  |  |  | 51,851,206 |
Interest-bearing - |  |  |  |  |  |  |  |
In Peru |  |  | 92,276,991 |  |  |  | 86,987,254 |
In other countries |  |  | 10,334,789 |  |  |  | 10,005,021 |
|  |  | 102,611,780 |  |  |  | 96,992,275 |
Total |  |  | 145,957,931 |  |  |  | 148,843,481 |
| c) | The balance of time deposits classified by maturity is as follows:
|  | 2022 |  |  | 2021 |
|  | S/(000) |  |  | S/(000) |
Up to 3 months |  |  | 17,201,364 |  |  |  | 14,052,666 |
From 3 months to 1 year |  |  | 12,688,483 |  |  |  | 8,141,349 |
From 1 to 3 years |  |  | 4,144,424 |  |  |  | 2,391,139 |
From 3 to 5 years |  |  | 502,291 |  |  |  | 402,042 |
More than 5 years |  |  | 2,941,707 |  |  |  | 2,936,607 |
Total |  |  | 37,478,269 |  |  |  | 27,923,803 |
In Management’s opinion the Group’s deposits and obligations are diversified with no significant concentrations as of December 31, 2022 and 2021. As of December 31, 2022 and 2021, the balance of deposits and obligations, guaranteed by the Peruvian “Fondo de Seguro de Depositos” (Deposit Insurance Fund) amounts to approximately S/52,745.2 million and S/50,478.8 million, respectively. At said dates, maximum amount of coverage per depositor recognized by “Fondo de Seguro de Depositos” totaled S/125,603 and S/115,637, respectively. As of December 31, 2022 and 2021 the balance of deposits and obligations of Mibanco Colombia guaranteed by the “Financial Institutions Guarantee Fund” (FOGAFÍN, for its Spanish acronym) of Colombia, amounts to 304,758.0 million Colombian pesos (equivalent to S/239.5 million) and 224,078.1 million Colombian pesos (equivalent to S/219.8 million), respectively. At said dates, maximum amount of coverage per depositor recognized by “FOGAFÍN” totaled 50,000,000.0 Colombian pesos (equivalent to S/39,300 and S/49,050, respectively).

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