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Net Interest Income (Tables)

12 Months Ended

Dec. 31, 2020

Interest income [Abstract]

Table of Interest Income


		2020				2019				2018
Interest from government securities			33,664,109				49,098,038				20,684,183
Interest from credit card loans			18,707,357				28,656,180				19,619,248
Interest from other loans			11,269,542				7,377,124				7,690,032
Interest from overdrafts			10,814,487				13,839,785				15,053,918
Interest from commercial papers			10,182,777				15,051,005				13,629,461
Interest from consumer loans			9,562,611				12,301,110				15,941,930
UVA clause adjustment (1)			9,232,639				14,787,161				9,071,650
Premium for reverse repurchase agreements			4,956,430				2,462,919				1,410,373
Interest from car loans			2,995,000				1,972,697				3,113,187
Stabilization Coefficient (CER) clause adjustment (1)			2,546,829				108,472				234,610
Interest from loans for the prefinancing and financing of exports			1,429,432				4,295,451				3,663,772
Interest on loans to financial institutions			1,207,423				3,700,450				4,775,119
Interest from mortgage loans			931,823				1,890,592				1,942,756
Interest from financial leases			541,336				801,446				1,351,442
Interest from private securities			23,115				14,594				87,700
Other financial income			457,849				10,897				86

TOTAL			118,522,759				156,367,921				118,269,467

Table of Interest Expenses


		2020				2019				2018
Time deposits			33,236,039				52,834,019				35,573,477
Savings accounts deposits			2,700,162				3,749,806				9,186,451
Other liabilities			2,662,424				5,728,338				3,722,117
Bank loans			1,394,983				1,230,240				383,690
UVA clause adjustment (1)			1,011,135				2,096,368				2,688,015
Interest on the lease liability			373,512				432,547				—
Premium for reverse repurchase agreements			—				3,598				230,784
Others			93,637				48,153				24,291

TOTAL			41,471,892				66,123,069				51,808,825

(1)	Adjustment clause based on the variation of the consumer price index.