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RISK MANAGEMENT POLICIES (Tables) | 12 Months Ended
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Dec. 31, 2019
RISK MANAGEMENT POLICIES |
Summary of maximum credit risk exposure |
|  | December 31, 2019
|  | ECL Staging |  |
|  | Stage 1 |  | Stage 2 |  | Stage 3 |  |
Loan Type |  | 12-month ECL |  | Lifetime ECL |  | Lifetime ECL |  | Total
Promissory Notes |  | 8,009,641 |  | 220,628 |  | 284,448 |  | 8,514,717
Unsecured Corporate Loans |  | 9,974,477 |  | 363,545 |  | 768,167 |  | 11,106,189
Overdrafts |  | 27,183,947 |  | 441,780 |  | 1,168,592 |  | 28,794,319
Mortgage Loans |  | 6,030,357 |  | 1,139,227 |  | 747,436 |  | 7,917,020
Automobile and other secured loans |  | 799,642 |  | 260,651 |  | 159,643 |  | 1,219,936
Personal Loans |  | 32,587,196 |  | 4,932,804 |  | 1,154,309 |  | 38,674,309
Retail |  | 13,070,026 |  | 807,506 |  | 435,054 |  | 14,312,586
Consumer Finance |  | 19,517,170 |  | 4,125,298 |  | 719,255 |  | 24,361,723
Credit Card Loans |  | 31,059,187 |  | 911,868 |  | 545,659 |  | 32,516,714
Retail |  | 26,906,451 |  | 772,705 |  | 272,095 |  | 27,951,251
Consumer Finance |  | 4,152,736 |  | 139,163 |  | 273,564 |  | 4,565,463
Foreign Trade Loans |  | 16,198,790 |  | 615,514 |  | 1,336,442 |  | 18,150,746
Other Financings |  | 7,870,468 |  | 116,204 |  | 76,335 |  | 8,063,007
Other Receivables from Financial Transactions |  | 1,844,597 |  | 16,506 |  | 45,940 |  | 1,907,043
Receivables from Financial Leases |  | 2,818,321 |  | 184,319 |  | 184,049 |  | 3,186,689
Total |  | 144,376,623 |  | 9,203,046 |  | 6,471,020 |  | 160,050,689
|  | December 31, 2018
|  | ECL Staging |  |
|  | Stage 1 |  | Stage 2 |  | Stage 3 |  |
Loan Type |  | 12-month ECL |  | Lifetime ECL |  | Lifetime ECL |  | Total
Promissory Notes |  | 11,040,711 |  | 728,667 |  | 372,861 |  | 12,142,239
Unsecured Corporate Loans |  | 9,566,109 |  | 2,115,731 |  | 277,614 |  | 11,959,454
Overdrafts |  | 46,873,802 |  | 2,092,931 |  | 187,576 |  | 49,154,309
Mortgage Loans |  | 8,362,500 |  | 216,941 |  | 14,937 |  | 8,594,378
Automobile and other secured loans |  | 1,945,197 |  | 163,433 |  | 279,678 |  | 2,388,308
Personal Loans |  | 24,712,372 |  | 3,388,933 |  | 2,630,600 |  | 30,731,905
Retail |  | 20,024,331 |  | 1,359,665 |  | 506,605 |  | 21,890,601
Consumer Finance |  | 4,688,041 |  | 2,029,268 |  | 2,123,995 |  | 8,841,304
Credit Card Loans |  | 30,883,372 |  | 1,388,599 |  | 853,883 |  | 33,125,854
Retail |  | 23,665,677 |  | 897,518 |  | 331,160 |  | 24,894,355
Consumer Finance |  | 7,217,695 |  | 491,081 |  | 522,723 |  | 8,231,499
Foreign Trade Loans |  | 18,771,655 |  | 854,199 |  | 1,561,733 |  | 21,187,587
Other Financings |  | 14,841,096 |  | 1,389,182 |  | 177,773 |  | 16,408,051
Other Receivables from Financial Transactions |  | 2,039,403 |  | 18,592 |  | 32,754 |  | 2,090,749
Receivables from Financial Leases |  | 4,942,687 |  | 265,382 |  | 129,096 |  | 5,337,165
Total |  | 173,978,904 |  | 12,622,590 |  | 6,518,505 |  | 193,119,999
Summary of exposure to the Group's exchange risk by currency type |
|  | Balances as of 12/31/2019 |  | Balances as of 12/31/2018
|  | Monetary |  | Monetary |  |  |  |  |  | Monetary |  | Monetary |  |  |  |
|  | Financial |  | Financial |  |  |  | Net |  | Financial |  | Financial |  |  |  | Net
Currency |  | Assets |  | Liabilities |  | Derivatives |  | Position |  | Assets |  | Liabilities |  | Derivatives |  | Position
US Dollar |  | 37,455,139 |  | 36,825,985 |  | — |  | 629,154 |  | 63,782,427 |  | 62,036,482 |  | 20,621 |  | 1,766,566
Euro |  | 593,090 |  | 575,147 |  | — |  | 17,943 |  | 713,445 |  | 730,092 |  | — |  | (16,647)
Others |  | 146,439 |  | 3,693 |  | — |  | 142,746 |  | 176,170 |  | 5,135 |  | — |  | 171,035
Total |  | 38,194,668 |  | 37,404,825 |  | — |  | 789,843 |  | 64,672,042 |  | 62,771,709 |  | 20,621 |  | 1,920,954
Summary of sensitivity analysis performed reasonably possible changes in foreign exchange rates |
|  |  |  | 12/31/2019 |  |  |  | 12/31/2018
Currency |  | Variation |  | P/L |  | Equity |  | Variation |  | P/L |  | Equity
US Dollar |  | 31.9 | % | 200,700 |  | 200,700 |  | 29 | % | 518,252 |  | 518,252
|  | (31.9) | % | (200,700) |  | (200,700) |  | (29) | % | (518,252) |  | (518,252)
Euro |  | 31.9 | % | 5,724 |  | 5,724 |  | 29 | % | (4,884) |  | (4,884)
|  | (31.9) | % | (5,724) |  | (5,724) |  | (29) | % | 4,884 |  | 4,884
Other |  | 31.9 | % | 45,536 |  | 45,536 |  | 29 | % | 50,176 |  | 50,176
|  | (31.9) | % | (45,536) |  | (45,536) |  | (29) | % | (50,176) |  | (50,176)
Total |  | 31.9 | % | 251,960 |  | 251,960 |  | 29 | % | 563,543 |  | 563,543
|  | (31.9) | % | (251,960) |  | (251,960) |  | (29) | % | (563,543) |  | (563,543)
Summary of exposure to interest rate risk |
|  | Term in days
Assets and Liabilities |  | Up to 30 |  | From 30 to 90 |  | from 90 to 180 |  | from 180 to 365 |  | More than 365 |  | Total
To 12/31/2019
Total Financial Assets |  | 42,175,254 |  | 15,004,746 |  | 11,454,731 |  | 12,255,255 |  | 50,684,393 |  | 131,574,379
Total Financial Liabilities |  | 50,567,576 |  | 13,421,108 |  | 5,116,494 |  | 6,674,589 |  | 44,708,852 |  | 120,488,619
Net Amount |  | (8,392,322) |  | 1,583,638 |  | 6,338,237 |  | 5,580,666 |  | 5,975,541 |  | 11,085,760
|  | Term in days
Assets and Liabilities |  | Up to 30 |  | From 30 to 90 |  | from 90 to 180 |  | from 180 to 365 |  | More than 365 |  | Total
To 12/31/2018
Total Financial Assets |  | 83,738,836 |  | 20,431,857 |  | 17,987,509 |  | 14,342,770 |  | 71,590,305 |  | 208,091,277
Total Financial Liabilities |  | 115,241,413 |  | 32,447,944 |  | 2,305,325 |  | 2,307,951 |  | 38,522,658 |  | 190,825,291
Net Amount |  | (31,502,577) |  | (12,016,087) |  | 15,682,184 |  | 12,034,819 |  | 33,067,647 |  | 17,265,986
Summary of sensitivity to reasonably possible additional variation in interest rates for next year |
|  |  |  | Increase / (decrease)
|  | Additional variation in |  | in the income
|  | the interest rate |  | statement
Decrease in the interest rate |  | 4% ARS; 2% USD |  | (357,394)
Increase in the interest rate |  | 4% ARS; 2% USD |  | 260,313

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