Net interest income (Tables)

12 Months Ended

Dec. 31, 2022

24.1. Interest income

Interest revenue calculated using the effective interest method.


	2022		2021		2020
Interest from government securities		256,501,695		104,122,019		98,980,559
Stabilization Coefficient (CER) clause adjustment (1)		82,083,427		35,685,175		7,488,289
Interest from credit card loans		62,619,226		49,780,744		55,004,119
Interest from other loans		44,405,294		33,077,508		33,135,157
Interest from commercial papers		39,596,631		28,643,882		29,939,809
Interest from consumer loans		32,075,984		28,325,500		28,116,371
Premium for reverse repurchase agreements		31,858,523		73,245,986		14,573,094
UVA clause adjustment (2)		31,382,577		27,161,517		27,146,174
Interest from overdrafts		28,767,653		16,494,956		31,797,188
Interest from car loans		10,611,023		10,849,682		8,806,019
Interest from mortgage loans		3,042,462		3,353,342		2,739,783
Interest on loans to the financial institutions		2,495,452		1,840,831		3,550,113
Interest from financial leases		1,971,750		1,864,308		1,591,658
Interest from loans for the prefinancing and financing of exports		725,826		1,906,230		4,202,873
Interest from private securities		662,812		305,251		67,964
Other interest income		549,280		1,685,111		1,346,185

TOTAL		629,349,615		418,342,042		348,485,355

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

(2)	UVA: It is a unit of measure that is updated daily acco rd ing to the Reference Stabilization Coefficient (CER), based on the consumer price index.

24.2. Interest expenses


	2022		2021		2020
Interest from time deposits		214,124,699		133,194,794		97,721,931
Interest from current and savings accounts deposits		41,268,363		27,903,262		7,939,125
UVA clause adjustment (1)		25,111,539		9,201,782		2,972,980
Interest from bank loans		8,698,548		5,197,404		4,101,585
Interest from other liabilities		673,415		1,644,297		7,828,166
Interest on the lease liability		621,630		903,203		1,098,215
Premium for reverse repurchase agreements		26,871		5,515		—
Other interest expense		6,223		8,320		275,315

TOTAL		290,531,288		178,058,577		121,937,317

(1)	UVA: It is a unit of measure that is updated daily according to the Reference Stabilization Coefficient (CER), based on the consumer price index.