XML 84 R63.htm IDEA: XBRL DOCUMENT v3.21.1
Credit risk exposure and allowances (Tables)
 12 Months Ended
Dec. 31, 2020
Disclosure of impairment loss and reversal of impairment loss [abstract]  
Disclosure of Impairment Losses
December 31, 2020
 
FINANCIAL ASSETS AT AMORTIZED
COST AND AT FAIR VALUE THROUGH
OTHER COMPREHENSIVE INCOME -
CREDIT RISK EXPOSURE
  
Not credit impaired
 
 
Credit impaired
 
 
Total
 
  
Stage 1
 
 
Stage 2
 
 
Stage 3
 
  
Credit risk
exposure
 
 
Credit risk
exposure
(collectively
assessed)
 
 
Credit risk
exposure
(individually
assessed)
 
 
Credit risk
exposure
(collectively
assessed)
 
 
Credit risk
exposure
(individually
assessed)
 
 
Credit risk
exposure
 
Opening balance as of December 31, 2019
  
 
285,039,178
 
 
 
46,865,496
 
 
 
2,365,338
 
 
 
5,426,432
 
 
 
5,167,769
 
 
 
344,864,213
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transfers of financial assets:
  
   
 
   
 
   
 
   
 
   
 
   
Transfers from Stage 1 to Stage 2
  
 
(96,538,747
) 
 
 
98,480,465
 
 
 
130,244
 
 
 
—  
 
 
 
—  
 
 
 
2,071,962
 
Transfers from Stage 2 to Stage 1
  
 
68,909,373
 
 
 
(65,842,848
) 
 
 
(40,271
) 
 
 
—  
 
 
 
—  
 
 
 
3,026,254
 
Transfers from Stage 1 or 2 to Stage 3
  
 
(12,251,971
) 
 
 
(6,025,456
) 
 
 
(1,991,808
) 
 
 
21,573,730
 
 
 
2,043,568
 
 
 
3,348,063
 
Transfers from Stage 3 to Stage 1 or 2
  
 
908,863
 
 
 
789,372
 
 
 
(1,415
) 
 
 
(1,961,496
) 
 
 
(37,570
) 
 
 
(302,246
) 
Changes without transfers between Stages
  
 
95,796,815
 
 
 
13,919,010
 
 
 
3,746,774
 
 
 
(22,131,388
) 
 
 
(3,333,447
) 
 
 
87,997,764
 
New financial assets originated
  
 
1,543,750,422
 
 
 
21,179,874
 
 
 
1,335,605
 
 
 
26,004,670
 
 
 
6,300,218
 
 
 
1,598,570,789
 
Repayments
  
 
(1,312,238,958
) 
 
 
(30,447,870
) 
 
 
(647,298
) 
 
 
(14,423,361
) 
 
 
(3,738,346
) 
 
 
(1,361,495,833
) 
Write-offs
  
 
—  
 
 
 
8
 
 
 
—  
 
 
 
(4,308,513
) 
 
 
(3,781,493
) 
 
 
(8,089,998
) 
Foreign exchange
  
 
8,930,081
 
 
 
5,693,673
 
 
 
555,724
 
 
 
38,810
 
 
 
730,732
 
 
 
15,949,020
 
Inflation adjustment
  
 
(106,057,773
) 
 
 
(12,221,786
) 
 
 
(1,201,302
) 
 
 
(7,280,112
) 
 
 
(853,731
) 
 
 
(127,614,704
) 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Closing balance as of December 31, 2020
  
 
476,247,283
 
 
 
72,389,938
 
 
 
4,251,591
 
 
 
2,938,772
 
 
 
2,497,700
 
 
 
558,325,284
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
December 31, 2019
  
   
 
   
    
FINANCIAL ASSETS AT AMORTIZED
COST AND AT FAIR VALUE THROUGH
OTHER COMPREHENSIVE INCOME -
CREDIT RISK EXPOSURE
  
Not credit impaired
 
 
Credit impaired
 
 
Total
 
  
Stage 1
 
 
Stage 2
 
 
Stage 3
 
  
Credit risk
exposure
 
 
Credit risk
exposure
(collectively
assessed)
 
 
Credit risk
exposure
(individually
assessed)
 
 
Credit risk
exposure
(collectively
assessed)
 
 
Credit risk
exposure
(individually
assessed)
 
 
Credit risk
exposure
 
Opening balance as of December 31, 2018
  
 
446,438,916
 
 
 
9,202,674
 
 
 
2,186,378
 
 
 
4,075,713
 
 
 
3,785,128
 
 
 
465,688,809
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transfers of financial assets:
  
   
 
   
 
   
 
   
 
   
 
   
Transfers from Stage 1 to Stage 2
  
 
(151,356,778
) 
 
 
147,677,742
 
 
 
774,015
 
 
 
—  
 
 
 
—  
 
 
 
(2,905,021
) 
Transfers from Stage 2 to Stage 1
  
 
66,247,687
 
 
 
(66,718,975
) 
 
 
(164,390
) 
 
 
—  
 
 
 
—  
 
 
 
(635,678
) 
Transfers from Stage 1 or 2 to Stage 3
  
 
(1,371,651
) 
 
 
(9,378,970
) 
 
 
(2,743,261
) 
 
 
10,941,163
 
 
 
2,762,779
 
 
 
210,060
 
Transfers from Stage 3 to Stage 1 or 2
  
 
470,593
 
 
 
491,787
 
 
 
263,488
 
 
 
(1,104,383
) 
 
 
(1,086,420
) 
 
 
(964,935
) 
Changes without transfers between Stages
  
 
(39,183,816
) 
 
 
4,122,339
 
 
 
809,358
 
 
 
530,495
 
 
 
(1,052,812
) 
 
 
(34,774,436
) 
New financial assets originated
  
 
1,042,227,825
 
 
 
54,656,727
 
 
 
2,309,324
 
 
 
1,187,132
 
 
 
1,975,838
 
 
 
1,102,356,846
 
Repayments
  
 
(987,079,841
) 
 
 
(84,504,080
) 
 
 
(485,021
) 
 
 
(3,267,584
) 
 
 
(856,155
) 
 
 
(1,076,192,681
) 
Write-offs
  
 
—  
 
 
 
(16
) 
 
 
—  
 
 
 
(5,112,765
) 
 
 
(2,559
) 
 
 
(5,115,340
) 
Foreign exchange
  
 
58,562,068
 
 
 
7,555,201
 
 
 
437,098
 
 
 
18,718
 
 
 
1,631,075
 
 
 
68,204,160
 
Gain of control over subsidiaries
  
 
25,789,262
 
 
 
298,762
 
 
 
—  
 
 
 
204,591
 
 
 
—  
 
 
 
26,292,615
 
Inflation adjustment
  
 
(172,605,937
) 
 
 
(16,320,425
) 
 
 
(1,021,651
) 
 
 
(2,050,801
) 
 
 
(1,989,105
) 
 
 
(193,987,919
) 
Other adjustments
  
 
(3,099,150
) 
 
 
(217,270
) 
 
 
—  
 
 
 
4,153
 
 
 
—  
 
 
 
(3,312,267
) 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Closing balance as of December 31, 2019
  
 
285,039,178
 
 
 
46,865,496
 
 
 
2,365,338
 
 
 
5,426,432
 
 
 
5,167,769
 
 
 
344,864,213
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2020
 
LOAN COMMITMENTS AND FINANCIAL
GUARANTEES -
CREDIT RISK EXPOSURE
  
Not credit impaired
 
 
Credit impaired
 
 
Total
 
  
Stage 1
 
 
Stage 2
 
 
Stage 3
 
  
Credit risk
exposure
 
 
Credit risk
exposure
(collectively
assessed)
 
 
Credit risk
exposure
(individually
assessed)
 
 
Credit risk
exposure
(collectively
assessed)
 
 
Credit risk
exposure
(individually
assessed)
 
 
Credit risk
exposure
 
Opening balance as of December 31, 2019
  
 
61,008,073
 
 
 
6,429,186
 
 
 
190,568
 
 
 
44,527
 
 
 
7
 
 
 
67,672,361
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transfers of loan commitments and financial guarantees:
  
   
 
   
 
   
 
   
 
   
 
   
Transfers from Stage 1 to Stage 2
  
 
(14,213,063
) 
 
 
13,217,852
 
 
 
—  
 
 
 
—  
 
 
 
—  
 
 
 
(995,211
) 
Transfers from Stage 2 to Stage 1
  
 
9,897,551
 
 
 
(8,851,105
) 
 
 
(125
) 
 
 
—  
 
 
 
—  
 
 
 
1,046,321
 
Transfers from Stage 1 or 2 to Stage 3
  
 
(35,683
) 
 
 
(46,932
) 
 
 
(631
) 
 
 
46,915
 
 
 
1,491
 
 
 
(34,840
) 
Transfers from Stage 3 to Stage 1 or 2
  
 
61,570
 
 
 
17,036
 
 
 
8
 
 
 
(60,330
) 
 
 
(398
) 
 
 
17,886
 
Changes without transfers between Stages
  
 
4,711,634
 
 
 
(799,987
) 
 
 
(119,029
) 
 
 
(6,085
) 
 
 
(512
) 
 
 
3,786,021
 
New loan commitments and financial guarantees originated
  
 
33,940,652
 
 
 
3,159,203
 
 
 
99,143
 
 
 
2,323
 
 
 
—  
 
 
 
37,201,321
 
Expirations and repayments
  
 
(20,744,486
) 
 
 
(6,746,419
) 
 
 
(24,810
) 
 
 
(13,662
) 
 
 
(35
) 
 
 
(27,529,412
) 
Write-offs
  
 
—  
 
 
 
—  
 
 
 
—  
 
 
 
(55
) 
 
 
(6
) 
 
 
(61
) 
Foreign exchange
  
 
851,390
 
 
 
235,129
 
 
 
10,931
 
 
 
—  
 
 
 
—  
 
 
 
1,097,450
 
Inflation adjustment
  
 
(17,855,245
) 
 
 
(1,820,204
) 
 
 
(53,984
) 
 
 
(5,175
) 
 
 
(53
) 
 
 
(19,734,661
) 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Closing balance as of December 31, 2020
  
 
57,622,393
 
 
 
4,793,759
 
 
 
102,071
 
 
 
8,458
 
 
 
494
 
 
 
62,527,175
 
 
December 31, 2019
  
   
 
   
    
LOAN COMMITMENTS AND FINANCIAL
GUARANTEES -
CREDIT RISK EXPOSURE
  
Not credit impaired
 
 
Credit impaired
 
 
Total
 
  
Stage 1
 
 
Stage 2
 
 
Stage 3
 
  
Credit risk
exposure
 
 
Credit risk
exposure
(collectively
assessed)
 
 
Credit risk
exposure
(individually
assessed)
 
 
Credit risk
exposure
(collectively
assessed)
 
 
Credit risk
exposure
(individually
assessed)
 
 
Credit risk
exposure
 
Opening balance as of December 31, 2018
  
 
53,380,614
 
 
 
2,506,872
 
 
 
17,284
 
 
 
34,114
 
 
 
144
 
 
 
55,939,028
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transfers of loan commitments and financial guarantees:
  
   
 
   
 
   
 
   
 
   
 
   
Transfers from Stage 1 to Stage 2
  
 
(10,335,734
) 
 
 
10,620,271
 
 
 
90
 
 
 
—  
 
 
 
—  
 
 
 
284,627
 
Transfers from Stage 2 to Stage 1
  
 
6,638,883
 
 
 
(5,058,323
) 
 
 
(99
) 
 
 
—  
 
 
 
—  
 
 
 
1,580,461
 
Transfers from Stage 1 or 2 to Stage 3
  
 
(278,456
) 
 
 
(62,905
) 
 
 
(233
) 
 
 
263,141
 
 
 
1,099
 
 
 
(77,354
) 
Transfers from Stage 3 to Stage 1 or 2
  
 
209,277
 
 
 
12,087
 
 
 
53
 
 
 
(208,703
) 
 
 
(65
) 
 
 
12,649
 
Changes without transfers between Stages
  
 
18,406,080
 
 
 
(453,067
) 
 
 
138,773
 
 
 
(4,997
) 
 
 
(923
) 
 
 
18,085,866
 
New loan commitments and financial guarantees originated
  
 
36,045,328
 
 
 
3,212,040
 
 
 
41,942
 
 
 
13,300
 
 
 
—  
 
 
 
39,312,610
 
Expirations and repayments
  
 
(22,145,669
) 
 
 
(3,027,375
) 
 
 
(1,493
) 
 
 
(35,108
) 
 
 
—  
 
 
 
(25,209,645
) 
Write-offs
  
 
—  
 
 
 
(16
) 
 
 
—  
 
 
 
(64
) 
 
 
—  
 
 
 
(80
) 
Foreign exchange
  
 
1,833,472
 
 
 
244,850
 
 
 
4,497
 
 
 
—  
 
 
 
—  
 
 
 
2,082,819
 
Inflation adjustment
  
 
(22,745,722
) 
 
 
(1,565,248
) 
 
 
(10,246
) 
 
 
(17,156
) 
 
 
(248
) 
 
 
(24,338,620
) 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Closing balance as of December 31, 2019
  
 
61,008,073
 
 
 
6,429,186
 
 
 
190,568
 
 
 
44,527
 
 
 
7
 
 
 
67,672,361
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Disclosure of allowances
 
December 31, 2020
 
FINANCIAL ASSETS AT AMORTIZED COST AND AT
FAIR VALUE THROUGH OTHER COMPREHENSIVE
INCOME - ALLOWANCES
  
Not credit impaired
 
 
Credit impaired
 
 
Total
 
  
Stage 1
 
 
Stage 2
 
 
Stage 3
 
  
Loss
allowances
 
 
Loss
allowances
(collectively
assessed)
 
 
Loss
allowances
(individually
assessed)
 
 
Loss
allowances
(collectively
assessed)
 
 
Loss
allowances
(individually
assessed)
 
 
Loss
allowances
 
Opening balance as of December 31, 2019
  
 
5,518,838
 
 
 
9,049,602
 
 
 
243,784
 
 
 
3,831,165
 
 
 
4,051,588
 
 
 
22,694,977
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transfers of financial assets:
  
   
 
   
 
   
 
   
 
   
 
   
Transfers from Stage 1 to Stage 2
  
 
(2,819,678
) 
 
 
12,528,181
 
 
 
26,802
 
 
 
—  
 
 
 
—  
 
 
 
9,735,305
 
Transfers from Stage 2 to Stage 1
  
 
3,223,138
 
 
 
(5,807,043
) 
 
 
(4,639
) 
 
 
—  
 
 
 
—  
 
 
 
(2,588,544
) 
Transfers from Stage 1 or 2 to Stage 3
  
 
(5,425,887
) 
 
 
(1,828,401
) 
 
 
(631,921
) 
 
 
10,844,691
 
 
 
1,048,133
 
 
 
4,006,615
 
Transfers from Stage 3 to Stage 1 or 2
  
 
20,402
 
 
 
74,303
 
 
 
(1,395
) 
 
 
(1,119,654
) 
 
 
(38,196
) 
 
 
(1,064,540
) 
Changes without transfers between Stages
  
 
5,759,823
 
 
 
(746,277
) 
 
 
816,969
 
 
 
(9,633,680
) 
 
 
(2,635,527
) 
 
 
(6,438,692
) 
New financial assets originated
  
 
15,901,370
 
 
 
2,549,016
 
 
 
144,135
 
 
 
12,147,304
 
 
 
6,331,742
 
 
 
37,073,567
 
Repayments
  
 
(13,655,264
) 
 
 
(5,784,954
) 
 
 
(78,243
) 
 
 
(8,781,898
) 
 
 
(3,348,194
) 
 
 
(31,648,553
) 
Write-offs
  
 
—  
 
 
 
—  
 
 
 
—  
 
 
 
(3,415,408
) 
 
 
(3,882,490
) 
 
 
(7,297,898
) 
Foreign exchange
  
 
452,351
 
 
 
571,299
 
 
 
81,381
 
 
 
33,184
 
 
 
711,973
 
 
 
1,850,188
 
Inflation adjustment
  
 
(1,831,796
) 
 
 
(2,494,082
) 
 
 
(196,226
) 
 
 
(1,445,336
) 
 
 
(680,822
) 
 
 
(6,648,262
) 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Closing balance as of December 31, 2020 (*)
  
 
7,143,297
 
 
 
8,111,644
 
 
 
400,647
 
 
 
2,460,368
 
 
 
1,558,207
 
 
 
19,674,163
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(*)   Impairment of financial assets detailed in the table above includes allowances on financial assets at FVOCI for 5,756,454.
 
December 31, 2019
 
 
 
FINANCIAL ASSETS AT AMORTIZED COST AND AT
FAIR VALUE THROUGH OTHER COMPREHENSIVE
INCOME - ALLOWANCES
  
Not credit impaired
 
 
Credit impaired
 
 
Total
 
  
Stage 1
 
 
Stage 2
 
 
Stage 3
 
  
Loss
allowances
 
 
Loss
allowances
(collectively
assessed)
 
 
Loss
allowances
(individually
assessed)
 
 
Loss
allowances
(collectively
assessed)
 
 
Loss
allowances
(individually
assessed)
 
 
Loss
allowances
 
Opening balance as of December 31, 2018
  
 
3,566,598
 
 
 
1,604,291
 
 
 
194,203
 
 
 
2,834,364
 
 
 
1,248,087
 
 
 
9,447,543
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transfers of financial assets:
  
   
 
   
 
   
 
   
 
   
 
   
Transfers from Stage 1 to Stage 2
  
 
(2,620,159
) 
 
 
9,063,675
 
 
 
86,007
 
 
 
—  
 
 
 
—  
 
 
 
6,529,523
 
Transfers from Stage 2 to Stage 1
  
 
1,089,664
 
 
 
(2,739,576
) 
 
 
(3,564
) 
 
 
—  
 
 
 
—  
 
 
 
(1,653,476
) 
Transfers from Stage 1 or 2 to Stage 3
  
 
(54,346
) 
 
 
(2,455,000
) 
 
 
(337,767
) 
 
 
6,416,480
 
 
 
566,057
 
 
 
4,135,424
 
Transfers from Stage 3 to Stage 1 or 2
  
 
21,601
 
 
 
60,192
 
 
 
72,288
 
 
 
(683,334
) 
 
 
(254,697
) 
 
 
(783,950
) 
Changes without transfers between Stages
  
 
(301,453
) 
 
 
171,322
 
 
 
163,344
 
 
 
869,794
 
 
 
2,430,368
 
 
 
3,333,375
 
New financial assets originated
  
 
7,588,880
 
 
 
217,694
 
 
 
189,306
 
 
 
608,390
 
 
 
421,812
 
 
 
9,026,082
 
Repayments
  
 
(5,796,016
) 
 
 
(1,516,057
) 
 
 
(61,021
) 
 
 
(1,513,532
) 
 
 
(178,192
) 
 
 
(9,064,818
) 
Write-offs
  
 
—  
 
 
 
(3
) 
 
 
—  
 
 
 
(3,795,182
) 
 
 
(2,559
) 
 
 
(3,797,744
) 
Foreign exchange
  
 
486,995
 
 
 
174,223
 
 
 
30,191
 
 
 
12,095
 
 
 
720,092
 
 
 
1,423,596
 
Gain of control over subsidiaries
  
 
161,071
 
 
 
1,860
 
 
 
—  
 
 
 
155,888
 
 
 
—  
 
 
 
318,819
 
Inflation adjustment
  
 
(1,867,269
) 
 
 
(1,056,847
) 
 
 
(89,203
) 
 
 
(1,377,593
) 
 
 
(899,380
) 
 
 
(5,290,292
) 
Other adjustments
  
 
3,243,272
 
 
 
5,523,828
 
 
 
—  
 
 
 
303,795
 
 
 
—  
 
 
 
9,070,895
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Closing balance as of December 31, 2019 (*)
  
 
5,518,838
 
 
 
9,049,602
 
 
 
243,784
 
 
 
3,831,165
 
 
 
4,051,588
 
 
 
22,694,977
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(*)
Impairment of financial assets detailed in the table above includes allowances on financial assets at FVOCI for 6,675,535.
 
December 31, 2020
 
LOAN COMMITMENTS AND FINANCIAL GUARANTEES -
ALLOWANCES
  
Not credit impaired
 
 
Credit impaired
 
 
Total
 
  
Stage 1
 
 
Stage 2
 
 
Stage 3
 
  
Loss
allowances
 
 
Loss
allowances
(collectively
assessed)
 
 
Loss
allowances
(individually
assessed)
 
 
Loss
allowances
(collectively
assessed)
 
 
Loss
allowances
(individually
assessed)
 
 
Loss
allowances
 
Opening balance as of December 31, 2019
  
 
729,461
 
 
 
455,615
 
 
 
15,286
 
 
 
32,691
 
 
 
207
 
 
 
1,233,260
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transfers of loan commitments and financial guarantees:
  
   
 
   
 
   
 
   
 
   
 
   
Transfers from Stage 1 to Stage 2
  
 
(334,616
) 
 
 
1,245,196
 
 
 
—  
 
 
 
—  
 
 
 
—  
 
 
 
910,580
 
Transfers from Stage 2 to Stage 1
  
 
271,538
 
 
 
(782,637
) 
 
 
(255
) 
 
 
—  
 
 
 
—  
 
 
 
(511,354
) 
Transfers from Stage 1 or 2 to Stage 3
  
 
(1,839
) 
 
 
(7,260
) 
 
 
(1,014
) 
 
 
30,038
 
 
 
2,539
 
 
 
22,464
 
Transfers from Stage 3 to Stage 1 or 2
  
 
1,938
 
 
 
1,455
 
 
 
54
 
 
 
(42,104
) 
 
 
(774
) 
 
 
(39,431
) 
Changes without transfers between Stages
  
 
151,333
 
 
 
(77,704
) 
 
 
(523
) 
 
 
(2,846
) 
 
 
(68
) 
 
 
70,192
 
New loan commitments and financial guarantees originated
  
 
827,366
 
 
 
220,711
 
 
 
12,212
 
 
 
2,055
 
 
 
—  
 
 
 
1,062,344
 
Repayments
  
 
(461,805
) 
 
 
(578,507
) 
 
 
(3,542
) 
 
 
(8,879
) 
 
 
(160
) 
 
 
(1,052,893
) 
Write-offs
  
 
—  
 
 
 
—  
 
 
 
—  
 
 
 
(45
) 
 
 
(128
) 
 
 
(173
) 
Foreign exchange
  
 
30,490
 
 
 
10,558
 
 
 
1,285
 
 
 
—  
 
 
 
—  
 
 
 
42,333
 
Inflation adjustment
  
 
(233,665
) 
 
 
(127,794
) 
 
 
(7,393
) 
 
 
(3,559
) 
 
 
(317
) 
 
 
(372,728
) 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Closing balance as of December 31, 2020
  
 
980,201
 
 
 
359,633
 
 
 
16,110
 
 
 
7,351
 
 
 
1,299
 
 
 
1,364,594
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2019
 
  
   
 
   
LOAN COMMITMENTS AND FINANCIAL GUARANTEES -
ALLOWANCES
  
Not credit impaired
 
 
Credit impaired
 
 
Total
 
  
Stage 1
 
 
Stage 2
 
 
Stage 3
 
  
Loss
allowances
 
 
Loss
allowances
(collectively
assessed)
 
 
Loss
allowances
(individually
assessed)
 
 
Loss
allowances
(collectively
assessed)
 
 
Loss
allowances
(individually
assessed)
 
 
Loss
allowances
 
Opening balance as of December 31, 2018
  
 
588,409
 
 
 
136,345
 
 
 
327
 
 
 
23,447
 
 
 
1,914
 
 
 
750,442
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transfers of loan commitments and financial guarantees:
  
   
 
   
 
   
 
   
 
   
 
   
Transfers from Stage 1 to Stage 2
  
 
(206,816
) 
 
 
602,213
 
 
 
526
 
 
 
—  
 
 
 
—  
 
 
 
395,923
 
Transfers from Stage 2 to Stage 1
  
 
128,864
 
 
 
(282,949
) 
 
 
(25
) 
 
 
—  
 
 
 
—  
 
 
 
(154,110
) 
Transfers from Stage 1 or 2 to Stage 3
  
 
(3,936
) 
 
 
(11,123
) 
 
 
(219
) 
 
 
172,283
 
 
 
1,125
 
 
 
158,130
 
Transfers from Stage 3 to Stage 1 or 2
  
 
1,896
 
 
 
655
 
 
 
801
 
 
 
(140,369
) 
 
 
(1,067
) 
 
 
(138,084
) 
Changes without transfers between Stages
  
 
196,731
 
 
 
(65,311
) 
 
 
13,984
 
 
 
2,485
 
 
 
(1,095
) 
 
 
146,794
 
New loan commitments and financial guarantees originated
  
 
534,809
 
 
 
233,085
 
 
 
1,744
 
 
 
8,800
 
 
 
—  
 
 
 
778,438
 
Repayments
  
 
(258,652
) 
 
 
(86,324
) 
 
 
(275
) 
 
 
(22,053
) 
 
 
—  
 
 
 
(367,304
) 
Write-offs
  
 
—  
 
 
 
—  
 
 
 
—  
 
 
 
(48
) 
 
 
—  
 
 
 
(48
) 
Foreign exchange
  
 
5,216
 
 
 
2,579
 
 
 
306
 
 
 
—  
 
 
 
—  
 
 
 
8,101
 
Inflation adjustment
  
 
(257,060
) 
 
 
(73,555
) 
 
 
(1,883
) 
 
 
(11,854
) 
 
 
(670
) 
 
 
(345,022
) 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Closing balance as of December 31, 2019
  
 
729,461
 
 
 
455,615
 
 
 
15,286
 
 
 
32,691
 
 
 
207
 
 
 
1,233,260