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Note 25 - Provisions | 12 Months Ended
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Dec. 31, 2018
Provisions Abstract |
Disclosure of Provisions | 25. Provisions Financial guaran tees and loan commitments: reflects the expected credit loss arising from financial guarantees issued, unused balances of checking account overdrafts, credit cards and other loan commitments. Other provisions: reflects the estimated amounts to pay class actions, labour, tax and commercial claims as well as other miscellaneous complaints.
| December 31, 2018 | December 31, 2017 | January 1, 2017
Financial guarantees and loan commitments issued | 358,329 | 1,649 | 1,071
Other provisions | 1,349,787 | 1,318,131 | 1,581,971
TOTAL | 1,708,116 | 1,319,780 | 1,583,042
Changes in the item for fiscal year 2018 and 2017 are included below:
Accounts | Balances as of December 31, 2017 | Adoption of IFRS 9 (Note 11) | Increases | Uses | Balances as of December 31, 2018
- Financial guarantees and loan commitments | 1,649 | 617,597 | 37,274 | (298,191) | 358,329
- Other provisions | 1,318,131 | - | 621,222 | (589,566) | 1,349,787
TOTAL PROVISIONS | 1,319,780 | 617,597 | 658,496 | (887,757) | 1,708,116
Accounts | Balances as of January 1, 2017 | Increases | Reversals | Uses | Balances as of December 31, 2017
- Financial guarantees and loan commitments issued | 1,071 | 791 | - | (213) | 1,649
- Other provisions | 1,581,971 | 401,954 | (195,171) | (470,623) | 1,318,131
TOTAL PROVISIONS | 1,583,042 | 402,745 | (195,171) | (470,836) | 1,319,780
The expected terms to settle these obligations are as follows:
December 31, 2018 |  |
Provisions | Within 12 months | After 12 months
For financial guarantees and loan commitments | 350,789 | 7,540
Other | 611,997 | 737,790
December 31, 2017 |  |
Provisions | Within 12 months | After 12 months
For financial guarantees and loan commitments | 1,649 | -
Other | 1,016,044 | 302,087
January 1, 2017 |  |
Provisions | Within 12 months | After 12 months
For financial guarantees and loan commitments | 1,071 | -
Other | 1,167,800 | 414,171
In the opinion of the Bank’s Board of Directors and its legal advisors, there are no other significant effects other than those stated in these financial statements, the amounts and repayment terms of which have been recorded based on the actual value of those estimates, considering the probable date of their final resolution.

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