XML 414 R61.htm IDEA: XBRL DOCUMENT

CUSTOMER DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2023

Disclosure of customer deposits [abstract]

Schedule of the balances of the deposits


Detail		December 31, 2023			December 31, 2022

Demand
Checking accounts		Ps.	23,809,859		Ps.	25,932,053
Savings accounts			71,149,883			74,293,894
Other funds on demand			430,194			841,505
			95,389,936			101,067,452

Term deposits
Fixed term deposit certificates ⁽¹⁾			86,597,460			72,273,697
Total deposits		Ps.	181,987,396		Ps.	173,341,149

Per currency
In Colombian Pesos		Ps.	154,916,985		Ps.	142,071,530
In foreign currency			27,070,411			31,269,619
Total per currency		Ps.	181,987,396		Ps.	173,341,149

(1)

The amount of term deposits due over 12 months as December 31, 2023 is Ps. 19,732,877 and December 31, 2022 is Ps. 14,702,118.

Schedule of the effective interest rates which are accrued on customer deposits


December 31, 2023
		Deposits
		In Colombian Pesos				In foreign currency
		Rate				Rate
		Minimum		Maximum		Minimum		Maximum
		%		%		%		%
Interest-bearing checking accounts		0.11	%	13.40	%	0.25	%	5.30	%
Saving accounts		0.01	%	16.13	%	0.25	%	5.30	%
Fixed term deposit certificates		0.05	%	23.52	%	0.45	%	8.46	%


December 31, 2022
		Deposits
		In Colombian Pesos				In foreign currency
		Rate				Rate
		Minimum		Maximum		Minimum		Maximum
		%		%		%		%
Interest-bearing checking accounts		0.01	%	13.20	%	0.02	%	4.40	%
Saving accounts		0.01	%	17.20	%	0.01	%	4.00	%
Fixed term deposit certificates		0.05	%	19.54	%	0.15	%	8.05	%

Schedule of the concentration of deposits received from customers per economic sector


		December 31, 2023					December 31, 2022
		Amount			%		Amount			%
Financial		Ps.	33,873,473		18.6	%	Ps.	29,871,901		17.2	%
Individuals			32,755,163		18.0	%		36,618,776		21.1	%
Government and Colombian Government entities			20,927,670		11.5	%		19,655,737		11.3	%
Services			17,303,980		9.5	%		16,143,899		9.3	%
Insurance			10,619,085		5.8	%		10,206,023		5.9	%
Commerce			10,390,440		5.7	%		10,030,824		5.8	%
Real Estate			9,252,682		5.1	%		3,109,595		1.8	%
Manufacturing			3,753,556		2.1	%		3,689,037		2.1	%
Agriculture and livestock			2,210,914		1.2	%		2,314,989		1.3	%
Education			1,794,592		1.0	%		1,438,654		0.8	%
Transport			1,523,858		0.8	%		1,849,662		1.1	%
Exploitation of mines and quarries			1,071,957		0.6	%		1,700,628		1.0	%
Colombian Municipalities			635,410		0.3	%		433,063		0.2	%
Artistic, entertainment and recreation activities			316,956		0.2	%		1,035,984		0.6	%
Foreign Governments			269,659		0.1	%		425,450		0.2	%
Telecommunications			234,786		0.1	%		895,281		0.5	%
Tourism			86,661		0.1	%		25		0.1	%
Other			34,966,554		19.3	%		33,921,621		19.7	%
Total		Ps.	181,987,396		100	%	Ps.	173,341,149		100	%