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RISK MANAGEMENT POLICIES (Tables)

12 Months Ended

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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The disclosure of the credit risk exposure. Credit risk exposure is the credit risk inherent in an entity’s financial assets and commitments to extend credit.

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