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Financial assets at amortized cost | 12 Months Ended
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Dec. 31, 2022
Financial Assets at Amortised Cost [Abstract] |
Financial assets at amortized cost | 6. Financial assets at amortized cost 6.1. Loans and advances to financial institutions
|  | December 31, 2022 |  |  | December 31, 2021 |
Loans and advances to financial institutions |  |  | 4,464,832 |  |  |  | 8,282,236 |
Allowances for ECL |  |  | (233,055 | ) |  |  | (81,146 | )
TOTAL |  |  | 4,231,777 |  |  |  | 8,201,090 |
6.2. Loans and advances to customers
|  | December 31, 2022 |  |  | December 31, 2021 |
Credit Cards |  |  | 274,537,256 |  |  |  | 306,094,971 |
Consumer loans |  |  | 71,324,186 |  |  |  | 79,769,338 |
Overdrafts |  |  | 62,947,418 |  |  |  | 43,883,358 |
Commercial papers |  |  | 58,508,686 |  |  |  | 56,750,248 |
Notes |  |  | 58,203,908 |  |  |  | 39,743,482 |
Real estate mortgage |  |  | 38,509,996 |  |  |  | 44,624,959 |
Loans for the prefinancing and financing of exports |  |  | 25,073,189 |  |  |  | 25,990,486 |
Pledge loans |  |  | 24,708,033 |  |  |  | 31,832,424 |
Receivables from financial leases |  |  | 6,388,015 |  |  |  | 5,673,027 |
Loans to employees |  |  | 4,822,005 |  |  |  | 5,681,248 |
Other financing |  |  | 108,488,268 |  |  |  | 116,611,613 |
Allowances for ECL |  |  | (20,656,668 | ) |  |  | (26,601,372 | )
TOTAL |  |  | 712,854,292 |  |  |  | 730,053,782 |
Loans by Economic Activity The table below analyzes our loan portfolio (broken down by performing and non-performing) according to the borrowers’ main economic activity as of December 31, 2022 and 2021. Where appropriate, loans to individuals are allocated to the economic activity of the borrower. Loans are stated before deduction of the allowance for loan losses.
|  | December 31, 2022 |
|  | Loan portfolio |
|  | Performing |  |  | % |  |  | Non-performing |  |  | % |  |  | Total |
|  | (in thousands of pesos, except percentages) |
Agricultural and livestock |  |  | 33,667,216 |  |  |  | 4.64 | % |  |  | 196,848 |  |  |  | 1.56 | % |  |  | 33,864,064 |
Construction |  |  | 5,028,895 |  |  |  | 0.69 | % |  |  | 196,285 |  |  |  | 1.56 | % |  |  | 5,225,180 |
Consumer |  |  | 380,678,024 |  |  |  | 52.48 | % |  |  | 9,678,386 |  |  |  | 76.93 | % |  |  | 390,356,410 |
Electricity, oil, water and sanitary services |  |  | 1,064,451 |  |  |  | 0.15 | % |  |  | 994 |  |  |  | 0.01 | % |  |  | 1,065,445 |
Financial sector |  |  | 4,464,832 |  |  |  | 0.62 | % |  |  | — |  |  |  | 0.00 | % |  |  | 4,464,832 |
Government services |  |  | 1,399 |  |  |  | 0.00 | % |  |  | — |  |  |  | 0.00 | % |  |  | 1,399 |
Central Bank |  |  | 9,034 |  |  |  | 0.00 | % |  |  | — |  |  |  | 0.00 | % |  |  | 9,034 |
Mining products |  |  | 24,932,316 |  |  |  | 3.44 | % |  |  | 1,011,509 |  |  |  | 8.04 | % |  |  | 25,943,825 |
Other manufacturing |  |  | 77,354,512 |  |  |  | 10.66 | % |  |  | 166,478 |  |  |  | 1.32 | % |  |  | 77,520,990 |
Services |  |  | 7,605,892 |  |  |  | 1.05 | % |  |  | 29,089 |  |  |  | 0.23 | % |  |  | 7,634,981 |
Transport |  |  | 11,832,443 |  |  |  | 1.63 | % |  |  | 50,539 |  |  |  | 0.40 | % |  |  | 11,882,982 |
Wholesale and retail trade |  |  | 51,357,690 |  |  |  | 7.08 | % |  |  | 78,089 |  |  |  | 0.62 | % |  |  | 51,435,779 |
Others |  |  | 127,408,729 |  |  |  | 17.56 | % |  |  | 1,172,575 |  |  |  | 9.33 | % |  |  | 128,581,304 |
|  |  | 725,405,433 |  |  |  | 100.00 | % |  |  | 12,580,792 |  |  |  | 100.00 | % |  |  | 737,986,225 |
|  | December 31, 2021 |
|  | Loan portfolio |
|  | Performing |  |  | % |  |  | Non-performing |  |  | % |  |  | Total |
|  | (in thousands of pesos, except percentages) |
Agricultural and livestock |  |  | 31,648,639 |  |  |  | 4.24 | % |  |  | 273,221 |  |  |  | 1.46 | % |  |  | 31,921,860 |
Construction |  |  | 4,257,310 |  |  |  | 0.57 | % |  |  | 466,471 |  |  |  | 2.49 | % |  |  | 4,723,781 |
Consumer |  |  | 427,659,370 |  |  |  | 57.31 | % |  |  | 8,402,172 |  |  |  | 44.84 | % |  |  | 436,061,542 |
Electricity, oil, water and sanitary services |  |  | 338,998 |  |  |  | 0.05 | % |  |  | 95 |  |  |  | 0.00 | % |  |  | 339,093 |
Financial sector |  |  | 8,282,236 |  |  |  | 1.11 | % |  |  | — |  |  |  | 0.00 | % |  |  | 8,282,236 |
Government services |  |  | 1,441 |  |  |  | 0.00 | % |  |  | — |  |  |  | 0.00 | % |  |  | 1,441 |
Mining products |  |  | 26,022,761 |  |  |  | 3.49 | % |  |  | 3,400,682 |  |  |  | 18.15 | % |  |  | 29,423,443 |
Other manufacturing |  |  | 83,177,092 |  |  |  | 11.15 | % |  |  | 942,984 |  |  |  | 5.03 | % |  |  | 84,120,076 |
Services |  |  | 5,798,681 |  |  |  | 0.78 | % |  |  | 20,251 |  |  |  | 0.11 | % |  |  | 5,818,932 |
Transport |  |  | 7,906,925 |  |  |  | 1.06 | % |  |  | 60,497 |  |  |  | 0.32 | % |  |  | 7,967,422 |
Wholesale and retail trade |  |  | 54,855,060 |  |  |  | 7.35 | % |  |  | 514,994 |  |  |  | 2.75 | % |  |  | 55,370,054 |
Others |  |  | 96,250,917 |  |  |  | 12.89 | % |  |  | 4,658,034 |  |  |  | 24.85 | % |  |  | 100,908,951 |
|  |  | 746,199,430 |  |  |  | 100.00 | % |  |  | 18,739,401 |  |  |  | 100.00 | % |  |  | 764,938,831 |
The Group holds loans and other financing within a business model whose objective is collecting contractual cash flows. Receivables from financial leases The Group as lessor entered into finance lease agreements related to vehicles and machinery and equipment. The following table shows the total gross investment of the finance leases (leasing) and the present value of the minimum collections to be received thereunder:
|  | December 31, 2022 |  |  | December 31, 2021 |
|  | Total investment |  |  | Present value of minimum lease collections |  |  | Total investment |  |  | Present value of minimum lease collections |
Term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Up to 1 year |  |  | 3,282,675 |  |  |  | 1,388,031 |  |  |  | 2,778,486 |  |  |  | 1,564,448 |
From 1 to 5 years |  |  | 8,034,030 |  |  |  | 4,999,984 |  |  |  | 5,872,428 |  |  |  | 4,108,579 |
TOTAL |  |  | 11,316,705 |  |  |  | 6,388,015 |  |  |  | 8,650,914 |  |  |  | 5,673,027 |
Principal |  |  |  |  |  |  | 6,211,711 |  |  |  |  |  |  |  | 5,497,098 |
Interest accrued |  |  |  |  |  |  | 176,304 |  |  |  |  |  |  |  | 175,929 |
TOTAL |  |  |  |  |  |  | 6,388,015 |  |  |  |  |  |  |  | 5,673,027 |
6.3. Reverse repurchase agreements
|  | December 31, 2022 |  |  | December 31, 2021 |
BCRA repos |  |  | 52,564,802 |  |  |  | 267,934,977 |
Allowances for ECL |  |  | (91,594 | ) |  |  | (322,495 | )
TOTAL |  |  | 52,473,208 |  |  |  | 267,612,482 |
The fair value of financial assets accepted as collateral that the Group was permitted to sell or repledge in the absence of default was 58,592,720 as of December 31, 2022 and 299,260,885 as of December 31, 2021. 6.4. Debt securities
|  | December 31, 2022 |  |  | December 31, 2021 |
Government securities |  |  | 44,527,097 |  |  |  | 43,956,008 |
Allowances for ECL |  |  | (6,709,331 | ) |  |  | (5,274,721 | )
TOTAL |  |  | 37,817,766 |  |  |  | 38,681,287 |
6.5. Other financial assets
|  | December 31, 2022 |  |  | December 31, 2021 |
Financial assets pledged as collateral |  |  | 29,495,681 |  |  |  | 30,517,448 |
Other receivables |  |  | 24,561,762 |  |  |  | 19,945,116 |
Receivable from financial institution for spot transactions pending settlement |  |  | 4,569,015 |  |  |  | 5,092,137 |
Receivable from non-financial institution for spot transactions pending settlement |  |  | 87,780 |  |  |  | 15,775 |
Others |  |  | 59,788 |  |  |  | 384,759 |
Allowances for ECL |  |  | (462,035 | ) |  |  | (561,113 | )
TOTAL |  |  | 58,311,991 |  |  |  | 55,394,122 |

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