XML 54 R31.htm IDEA: XBRL DOCUMENT

Provisions

12 Months Ended

Dec. 31, 2021

Disclosure of other provisions [text block] [Abstract]

Provisions

25.

Provisions:

(a)

As of December 31, 2020 and 2021, provisions are detailed as follows:

	2020		2021
	MCh$		MCh$
Provision for minimum dividends		138,932		237,877
Provisions for contingent loan risks		98,181		93,049
Provisions for other contingencies		507		958
Total		237,620		331,884

(b)

The following table details the changes in provisions during 2020 and 2021:

	Minimum dividends			Contingent loan risks			Other			Total
	MCh$			MCh$			MCh$			MCh$
Balances as of January 1, 2020		177,902			24,971			501			203,374
Provisions established		138,932			73,210			6			212,148
Provisions used		(177,902	)		—			—			(177,902	)
Provisions released		—			—			—			—
Balances as of December 31, 2020		138,932			98,181			507			237,620

Balances as of January 1, 2021		138,932			98,181			507			237,620
Provisions established		237,877			—			537			238,414
Provisions used		(138,932	)		(5,132	)		(86	)		(144,150	)
Provisions released		—			—			—			—
Balances as of December 31, 2021		237,877			93,049			958			331,884

(c)

Impairment losses on contingent loan risks:

Provisions for contingent loan risks are detailed as follows:

	Outstanding exposure				ECL
	2020		2021		2020		2021
	MCh$		MCh$		MCh$		MCh$
Warranty by endorsement and sureties		224,079		439,669		6,068		3,754
Confirmed foreign letters of credit		58,299		91,270		10		3
Issued foreign letters of credit		343,663		358,755		235		200
Performance guarantees		2,214,370		2,366,953		13,124		7,029
Undrawn credit lines		7,650,382		8,651,193		78,744		82,033
Other commitments		107,707		78,951		—		30
Total		10,598,500		11,986,791		98,181		93,049

An analysis of changes in the gross carrying amount and the corresponding allowance for impairment losses in relation to each contingent loan risk is as follow:

Warranty by endorsement and sureties:

The table below shows the credit quality and the maximum exposure to credit risk based on the Bank’s internal credit rating system and year-end stage classification as of December 31, 2020 and 2021.

	As of December 31, 2020														As of December 31, 2021
	Stage 1				Stage 2				Stage 3						Stage 1				Stage 2				Stage 3
	Individual		Group		Individual		Group		Individual		Group		Total		Individual		Group		Individual		Group		Individual		Group		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Normal		186,051		131		31,911		—		—		—		218,093		403,479		567		28,453		—		—		—		432,499
Substandard		—		—		356		—		—		—		356		—		—		7,170		—		—		—		7,170
Non-complying		—		—		—		—		5,630		—		5,630		—		—		—		—		—		—		—
Total		186,051		131		32,267		—		5,630		—		224,079		403,479		567		35,623		—		—		—		439,669

An analysis of changes in the outstanding exposures and corresponding allowance for ECL during the 2020 and 2021 periods are as follows:

	Stage 1											Stage 2											Stage 3
	Individual						Group					Individual						Group					Individual						Group				Total
	Gross carrying amount			ECL			Gross carrying amount			ECL		Gross carrying amount			ECL			Gross carrying amount			ECL		Gross carrying amount			ECL			Gross carrying amount		ECL		Gross carrying amount			ECL
	MCh$			MCh$			MCh$			MCh$		MCh$			MCh$			MCh$			MCh$		MCh$			MCh$			MCh$		MCh$		MCh$			MCh$
Outstanding exposure as of January 1, 2020		249,306			41			395			—		31,137			22			—			—		—			—			—		—		280,838			63
Net change on exposures		(31,759	)		(19	)		(231	)		—		(19,038	)		2,838			(62	)		—		—			—			—		—		(51,090	)		2,819
Transfer to Stage 1		29,099			1			—			—		(29,099	)		(1	)		—			—		—			—			—		—		—			—
Transfer to Stage 2		(55,270	)		(18	)		(65	)		—		55,270			18			65			—		—			—			—		—		—			—
Transfer to Stage 3		—			—			—			—		(6,069	)		(3,034	)		—			—		6,069			3,034			—		—		—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			—			—			—		—			159			—			—		—			2,815			—		—		—			2,974
Refinements to models used for calculation		—			167			—			—		—			226			—			—		—			—			—		—		—			393
Foreign exchange adjustments		(5,325	)		2			32			—		66			36			(3	)		—		(439	)		(219	)		—		—		(5,669	)		(181	)
Total		186,051			174			131			—		32,267			264			—			—		5,630			5,630			—		—		224,079			6,068

Outstanding exposure as of January 1, 2021		186,051			174			131			—		32,267			264			—			—		5,630			5,630			—		—		224,079			6,068
Net change on exposures		168,112			26			369			1		(6,416	)		(153	)		—			—		—			—			—		—		162,065			(126	)
Transfer to Stage 1		3,870			8			320			—		(3,870	)		(8	)		(320	)		—		—			—			—		—		—			—
Transfer to Stage 2		(2,300	)		(2	)		(313	)		—		8,859			6,561			313			—		(6,559	)		(6,559	)		—		—		—			—
Transfer to Stage 3		—			—			—			—		—			—			—			—		—			—			—		—		—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			(2	)		—			—		—			(3,367	)		—			—		—			—			—		—		—			(3,369	)
Refinements to models used for calculation		—			—			—			1		—			—			—			—		—			—			—		—		—			1
Foreign exchange adjustments		47,746			35			60			—		4,783			216			7			—		929			929			—		—		53,525			1,180
Total		403,479			239			567			2		35,623			3,513			—			—		—			—			—		—		439,669			3,754

Confirmed foreign letters of credit:

	As of December 31, 2020														As of December 31, 2021
	Stage 1				Stage 2				Stage 3						Stage 1				Stage 2				Stage 3
	Individual		Group		Individual		Group		Individual		Group		Total		Individual		Group		Individual		Group		Individual		Group		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Normal		58,063		236		—		—		—		—		58,299		91,270		—		—		—		—		—		91,270
Substandard		—		—		—		—		—		—		—		—		—		—		—		—		—		—
Non-complying		—		—		—		—		—		—		—		—		—		—		—		—		—		—
Total		58,063		236		—		—		—		—		58,299		91,270		—		—		—		—		—		91,270

An analysis of changes in the outstanding exposures and corresponding allowance for ECL during the 2020 and 2021 periods are as follows:

	Stage 1											Stage 2								Stage 3
	Individual						Group					Individual				Group				Individual				Group				Total
	Gross carrying amount			ECL			Gross carrying amount			ECL		Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount			ECL
	MCh$			MCh$			MCh$			MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$			MCh$
Outstanding exposure as of January 1, 2020		94,673			4			—			—		—		—		—		—		—		—		—		—		94,673			4
Net change on exposures		(34,528	)		—			236			—		—		—		—		—		—		—		—		—		(34,292	)		—
Transfer to Stage 1		—			—			—			—		—		—		—		—		—		—		—		—		—			—
Transfer to Stage 2		—			—			—			—		—		—		—		—		—		—		—		—		—			—
Transfer to Stage 3		—			—			—			—		—		—		—		—		—		—		—		—		—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			—			—			—		—		—		—		—		—		—		—		—		—			—
Refinements to models used for calculation		—			7			—			—		—		—		—		—		—		—		—		—		—			7
Foreign exchange adjustments		(2,082	)		(1	)		—			—		—		—		—		—		—		—		—		—		(2,082	)		(1	)
Total		58,063			10			236			—		—		—		—		—		—		—		—		—		58,299			10

Outstanding exposure as of January 1, 2021		58,063			10			236			—		—		—		—		—		—		—		—		—		58,299			10
Net change on exposures		18,244			(8	)		(239	)		—		—		—		—		—		—		—		—		—		18,005			(8	)
Transfer to Stage 1		—			—			—			—		—		—		—		—		—		—		—		—		—			—
Transfer to Stage 2		—			—			—			—		—		—		—		—		—		—		—		—		—			—
Transfer to Stage 3		—			—			—			—		—		—		—		—		—		—		—		—		—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			—			—			—		—		—		—		—		—		—		—		—		—			—
Refinements to models used for calculation		—			—			—			—		—		—		—		—		—		—		—		—		—			—
Foreign exchange adjustments		14,963			1			3			—		—		—		—		—		—		—		—		—		14,966			1
Total		91,270			3			—			—		—		—		—		—		—		—		—		—		91,270			3

Issued foreign letters of credit:

	As of December 31, 2020														As of December 31, 2021
	Stage 1				Stage 2				Stage 3						Stage 1				Stage 2				Stage 3
	Individual		Group		Individual		Group		Individual		Group		Total		Individual		Group		Individual		Group		Individual		Group		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Normal		298,841		1,881		42,927		—		—		—		343,649		277,639		1,578		79,392		26		—		—		358,635
Substandard		—		—		14		—		—		—		14		—		—		120		—		—		—		120
Non-complying		—		—		—		—		—		—		—		—		—		—		—		—		—		—
Total		298,841		1,881		42,941		—		—		—		343,663		277,639		1,578		79,512		26		—		—		358,755

An analysis of changes in the outstanding exposures and corresponding allowance for ECL during the 2020 and 2021 periods are as follows:

	Stage 1												Stage 2												Stage 3
	Individual						Group						Individual						Group						Individual					Group				Total
	Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount		ECL			Gross carrying amount		ECL		Gross carrying amount			ECL
	MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$		MCh$			MCh$		MCh$		MCh$			MCh$
Outstanding exposure as of January 1, 2020		149,753			20			1,308			1			165,538			11			317			19			—		—			—		—		316,916			51
Net change on exposures		53,462			7			830			3			(20,836	)		(13	)		(530	)		(19	)		—		(1	)		—		—		32,926			(23	)
Transfer to Stage 1		136,838			2			866			—			(136,838	)		(2	)		(866	)		—			—		—			—		—		—			—
Transfer to Stage 2		(37,319	)		(10	)		(1,048	)		(4	)		37,319			10			1,048			4			—		—			—		—		—			—
Transfer to Stage 3		—			—			—			—			—			—			—			—			—		—			—		—		—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			1			—			—			—			10			—			(4	)		—		—			—		—		—			7
Refinements to models used for calculation		—			111			—			—			—			92			—			—			—		1			—		—		—			204
Foreign exchange adjustments		(3,893	)		(2	)		(75	)		—			(2,242	)		(2	)		31			—			—		—			—		—		(6,179	)		(4	)
Total		298,841			129			1,881			—			42,941			106			—			—			—		—			—		—		343,663			235

Outstanding exposure as of January 1, 2021		298,841			129			1,881			—			42,941			106			—			—			—		—			—		—		343,663			235
Net change on exposures		(59,551	)		(32	)		(503	)		13			45,249			(36	)		(1	)		—			—		—			—		—		(14,806	)		(55	)
Transfer to Stage 1		19,728			14			—			—			(19,728	)		(14	)		—			—			—		—			—		—		—			—
Transfer to Stage 2		(788	)		(1	)		(25	)		—			788			1			25			—			—		—			—		—		—			—
Transfer to Stage 3		—			—			—			—			—			—			—			—			—		—			—		—		—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			(1	)		—			—			—			—			—			—			—		—			—		—		—			(1	)
Refinements to models used for calculation		—			—			—			(11	)		—			—			—			—			—		—			—		—		—			(11	)
Foreign exchange adjustments		19,409			12			225			2			10,262			18			2			—			—		—			—		—		29,898			32
Total		277,639			121			1,578			4			79,512			75			26			—			—		—			—		—		358,755			200

Performance guarantees:

	As of December 31, 2020														As of December 31, 2021
	Stage 1				Stage 2				Stage 3						Stage 1				Stage 2				Stage 3
	Individual		Group		Individual		Group		Individual		Group		Total		Individual		Group		Individual		Group		Individual		Group		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Normal		1,573,058		46,523		568,005		615		—		—		2,188,201		1,718,639		45,140		572,081		307		—		—		2,336,167
Substandard		—		—		21,833		—		—		—		21,833		—		—		28,697		—		—		—		28,697
Non-complying		—		—		—		—		3,851		485		4,336		—		—		—		—		1,728		361		2,089
Total		1,573,058		46,523		589,838		615		3,851		485		2,214,370		1,718,639		45,140		600,778		307		1,728		361		2,366,953

An analysis of changes in the outstanding exposures and corresponding allowance for ECL during the 2020 and 2021 periods are as follows:

	Stage 1												Stage 2												Stage 3
	Individual						Group						Individual						Group						Individual						Group						Total
	Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL
	MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$
Outstanding exposure as of January 1, 2020		1,804,374			601			44,325			277			420,427			1,440			10,970			754			2,194			491			1,100			474			2,283,390			4,037
Net change on exposures		(33,951	)		359			(8,832	)		(160	)		(6,254	)		6,341			1,305			(674	)		(5,241	)		(8,647	)		(1,226	)		(454	)		(54,199	)		(3,235	)
Transfer to Stage 1		128,944			48			29,217			78			(128,944	)		(48	)		(29,180	)		(68	)		—			—			(37	)		(10	)		—			—
Transfer to Stage 2		(314,572	)		(222	)		(17,839	)		(169	)		314,683			237			18,347			179			(111	)		(15	)		(508	)		(10	)		—			—
Transfer to Stage 3		(459	)		—			(326	)		(2	)		(6,511	)		(4,038	)		(826	)		(6	)		6,970			4,038			1,152			8			—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			2			—			235			—			362			—			(172	)		—			6,261			—			(8	)		—			6,680
Refinements to models used for calculation		—			2,002			—			658			—			2,138			—			(10	)		—			851			—			—			—			5,639
Foreign exchange adjustments		(11,278	)		—			(22	)		—			(3,563	)		(10	)		(1	)		—			39			13			4			—			(14,821	)		3
Total		1,573,058			2,790			46,523			917			589,838			6,422			615			3			3,851			2,992			485			—			2,214,370			13,124

Outstanding exposure as of January 1, 2021		1,573,058			2,790			46,523			917			589,838			6,422			615			3			3,851			2,992			485			—			2,214,370			13,124
Net change on exposures		72,215			(1,284	)		(716	)		16			21,365			(2,636	)		(882	)		(47	)		(1,870	)		(1,491	)		(344	)		—			89,768			(5,442	)
Transfer to Stage 1		166,106			247			3,381			84			(166,106	)		(247	)		(3,381	)		(84	)		—			—			—			—			—			—
Transfer to Stage 2		(149,250	)		(277	)		(3,911	)		(77	)		150,330			1,131			3,998			77			(1,080	)		(854	)		(87	)		—			—			—
Transfer to Stage 3		(62	)		—			(260	)		(5	)		(765	)		(79	)		(47	)		(5	)		827			79			307			10			—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			(58	)		—			(27	)		—			(362	)		—			67			—			374			—			(11	)		—			(17	)
Refinements to models used for calculation		—			(2	)		—			(716	)		—			(4	)		—			(8	)		—			11			—			—			—			(719	)
Foreign exchange adjustments		56,572			52			123			3			6,116			28			4			—			—			—			—			—			62,815			83
Total		1,718,639			1,468			45,140			195			600,778			4,253			307			3			1,728			1,111			361			(1	)		2,366,953			7,029

25.

Provisions, continued:

Undrawn credit lines:

	As of December 31, 2020														As of December 31, 2021
	Stage 1				Stage 2				Stage 3						Stage 1				Stage 2				Stage 3
	Individual		Group		Individual		Group		Individual		Group		Total		Individual		Group		Individual		Group		Individual		Group		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Normal		1,055,119		6,244,331		138,432		182,812		20		—		7,620,714		1,178,448		7,130,566		133,391		180,023		13		—		8,622,441
Substandard		—		—		3,896		—		—		—		3,896		—		—		4,421		—		—		—		4,421
Non-complying		—		—		—		—		837		24,935		25,772		—		—		—		—		719		23,612		24,331
Total		1,055,119		6,244,331		142,328		182,812		857		24,935		7,650,382		1,178,448		7,130,566		137,812		180,023		732		23,612		8,651,193

An analysis of changes in the outstanding exposures and corresponding allowance for ECL during the 2020 and 2021 periods are as follows:

	Stage 1												Stage 2												Stage 3
	Individual						Group						Individual						Group						Individual						Group						Total
	Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL			Gross carrying amount			ECL
	MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$
Outstanding exposure as of January 1, 2020		1,135,118			234			6,434,148			13,135			83,458			185			207,646			2,644			359			78			9,531			4,540			7,870,260			20,816
Net change on exposures		(28,109	)		181			20,484			(1,726	)		11,628			502			(102,141	)		(1,262	)		(568	)		(174	)		(7,903	)		(1,004	)		(106,609	)		(3,483	)
Transfer to Stage 1		80,990			19			516,008			7,348			(80,990	)		(19	)		(515,854	)		(7,301	)		—			—			(154	)		(47	)		—			—
Transfer to Stage 2		(129,707	)		(93	)		(597,956	)		(5,942	)		129,751			101			606,469			9,664			(44	)		(8	)		(8,513	)		(3,722	)		—			—
Transfer to Stage 3		(183	)		—			(18,407	)		(317	)		(949	)		(67	)		(14,838	)		(766	)		1,132			67			33,245			1,083			—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			(1	)		—			(293	)		—			77			—			(1,035	)		—			349			—			8,479			—			7,576
Refinements to models used for calculation		—			899			—			53,001			—			267			—			1,294			—			116			—			(1,429	)		—			54,148
Foreign exchange adjustments		(2,990	)		(3	)		(109,946	)		(128	)		(570	)		(8	)		1,530			30			(22	)		(8	)		(1,271	)		(196	)		(113,269	)		(313	)
Total		1,055,119			1,236			6,244,331			65,078			142,328			1,038			182,812			3,268			857			420			24,935			7,704			7,650,382			78,744

Outstanding exposure as of January 1, 2021		1,055,119			1,236			6,244,331			65,078			142,328			1,038			182,812			3,268			857			420			24,935			7,704			7,650,382			78,744
Net change on exposures		110,630			(647	)		493,150			4,207			(5,814	)		(598	)		(32,854	)		(1,345	)		(446	)		(219	)		(4,328	)		(125	)		560,338			1,273
Transfer to Stage 1		21,447			28			547,431			6,216			(21,447	)		(28	)		(547,431	)		(6,216	)		—			—			—			—			—			—
Transfer to Stage 2		(20,684	)		(48	)		(562,964	)		(6,833	)		20,850			159			568,515			8,760			(166	)		(111	)		(5,551	)		(1,927	)		—			—
Transfer to Stage 3		(62	)		—			(4,738	)		(68	)		(386	)		(28	)		(2,046	)		(33	)		448			28			6,784			101			—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			(2	)		—			370			—			(73	)		—			(3,159	)		—			192			—			1,306			—			(1,366	)
Refinements to models used for calculation		—			—			—			(1,574	)		—			—			—			(224	)		—			1			—			2,032			—			235
Foreign exchange adjustments		11,998			8			413,356			2,594			2,281			15			11,027			79			39			21			1,772			430			440,473			3,147
Total		1,178,448			575			7,130,566			69,990			137,812			485			180,023			1,130			732			332			23,612			9,521			8,651,193			82,033

Other commitments:

	As of December 31, 2020														As of December 31, 2021
	Stage 1				Stage 2				Stage 3						Stage 1				Stage 2				Stage 3
	Individual		Group		Individual		Group		Individual		Group		Total		Individual		Group		Individual		Group		Individual		Group		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Normal		107,707		—		—		—		—		—		107,707		78,951		—		—		—		—		—		78,951
Substandard		—		—		—		—		—		—		—		—		—		—		—		—		—		—
Non-complying		—		—		—		—		—		—		—		—		—		—		—		—		—		—
Total		107,707		—		—		—		—		—		107,707		78,951		—		—		—		—		—		78,951

An analysis of changes in the outstanding exposures and corresponding allowance for ECL during the 2020 and 2021 periods are as follows:

	Stage 1									Stage 2								Stage 3
	Individual					Group				Individual				Group				Individual				Group				Total
	Gross carrying amount			ECL		Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount			ECL
	MCh$			MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$			MCh$
Outstanding exposure as of January 1, 2020		155,163			—		—		—		—		—		—		—		—		—		—		—		155,163			—
Net change on exposures		(47,456	)		—		—		—		—		—		—		—		—		—		—		—		(47,456	)		—
Transfer to Stage 1		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Transfer to Stage 2		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Transfer to Stage 3		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Refinements to models used for calculation		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Foreign exchange adjustments		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Total		107,707			—		—		—		—		—		—		—		—		—		—		—		107,707			—

Outstanding exposure as of January 1, 2021		107,707			—		—		—		—		—		—		—		—		—		—		—		107,707			—
Net change on exposures		(28,756	)		30		—		—		—		—		—		—		—		—		—		—		(28,756	)		30
Transfer to Stage 1		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Transfer to Stage 2		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Transfer to Stage 3		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Refinements to models used for calculation		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Foreign exchange adjustments		—			—		—		—		—		—		—		—		—		—		—		—		—			—
Total		78,951			30		—		—		—		—		—		—		—		—		—		—		78,951			30