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LOANS AND OTHER FINANCING (Tables)

12 Months Ended

Dec. 31, 2022

LOANS AND OTHER FINANCING

Summary of composition of loan portfolio

As of December 31, 2022 and 2021 the composition of the loan portfolio is as follows:


								Total as of
		Assets Before Allowances						December 31,
		Stage 1		Stage 2		Stage 3		2022
Promissory notes		34,148,294		338,608		134,129		34,621,031
Unsecured corporate loans		39,685,295		350,203		1,325,496		41,360,994
Overdrafts		14,159,148		202,393		173,411		14,534,952
Mortgage loans		22,370,809		2,004,852		709,661		25,085,322
Automobile and other secured loans		6,272,346		1,266,879		405,197		7,944,422
Personal loans		29,555,460		6,148,950		2,583,516		38,287,926
Credit card loans		40,850,222		6,136,469		2,354,959		49,341,650
Foreign Trade Loans		12,897,902		1,849,831		1,480,395		16,228,128
Other financings		6,590,309		162,289		66,392		6,818,990
Other receivables from financial transactions		2,711,989		90,951		97,914		2,900,854
Receivables from financial leases		10,447,409		202,858		38,714		10,688,981
Subtotal		219,689,183		18,754,283		9,369,784		247,813,250
Allowances for loan losses		(3,035,675)		(2,926,254)		(6,260,123)		(12,222,052)
Total		216,653,508		15,828,029		3,109,661		235,591,198


								Total as of
		Assets Before Allowances						December 31,
		Stage 1		Stage 2		Stage 3		2021
Promissory notes		72,323,806		1,309,431		337,670		73,970,907
Unsecured corporate loans		21,969,956		842,893		2,606,341		25,419,190
Overdrafts		9,625,551		272,572		228,013		10,126,136
Mortgage loans		27,924,803		2,360,621		624,902		30,910,326
Automobile and other secured loans		6,309,306		793,917		529,645		7,632,868
Personal loans		48,402,450		7,542,402		5,001,142		60,945,994
Credit card loans		52,516,363		5,207,835		2,782,584		60,506,782
Foreign Trade Loans		19,206,386		4,278,282		3,306,523		26,791,191
Other financings		7,015,741		472,294		161,916		7,649,951
Other receivables from financial transactions		5,958,063		78,529		220,716		6,257,308
Receivables from financial leases		11,323,929		801,549		89,728		12,215,206
Subtotal		282,576,354		23,960,325		15,889,180		322,425,859
Allowances for loan losses		(3,555,515)		(5,147,174)		(10,869,777)		(19,572,466)
Total		279,020,839		18,813,151		5,019,403		302,853,393

Summary of changes in gross carrying amount and corresponding expected credit losses


		Assets Before Allowances								ECL Allowance
		Stage 1		Stage 2		Stage 3		Total		Stage 1		Stage 2		Stage 3		Total
Balance at the beginning of the year		282,576,354		23,960,325		15,889,180		322,425,859		3,555,515		5,147,174		10,869,777		19,572,466
Transfers
1 to 2		(4,339,851)		4,339,851		—		—		(122,595)		930,556		—		807,961
1 to 3		(674,849)		—		674,849		—		(24,667)		—		1,271,329		1,246,662
2 to 3		—		(530,731)		530,731		—		—		(179,202)		852,277		673,075
2 to 1		3,616,758		(3,616,758)		—		—		(4,539)		(1,293,359)		—		(1,297,898)
3 to 2		—		235,228		(235,228)		—		—		(54,830)		(183,335)		(238,165)
3 to 1		210,929		—		(210,929)		—		(58,052)		—		(144,059)		(202,111)
Additions		130,836,311		8,708,725		2,894,580		142,439,616		2,032,680		2,262,129		4,783,651		9,078,460
Disposals		(70,170,490)		(4,378,611)		(2,388,699)		(76,937,800)		(824,470)		(1,518,666)		(3,229,038)		(5,572,174)
Net changes of financial assets		(125,950,841)		(8,211,017)		787,273		(133,374,585)		(237,515)		(508,239)		685,215		(60,539)
Write-Offs		(1,417,679)		(1,955,244)		(9,267,030)		(12,639,953)		(1,417,679)		(1,955,244)		(9,267,030)		(12,639,953)
Exchange Differences and Others		5,002,541		202,515		695,057		5,900,113		136,997		95,935		621,336		854,268
Gross carrying amount at December 31, 2022		219,689,183		18,754,283		9,369,784		247,813,250		3,035,675		2,926,254		6,260,123		12,222,052


		Assets Before Allowances								ECL Allowance
		Stage 1		Stage 2		Stage 3		Total		Stage 1		Stage 2		Stage 3		Total
Balance at the beginning of the year		283,660,430		28,956,778		22,040,628		334,657,836		5,457,993		5,847,347		13,465,342		24,770,682
Transfers
1 to 2		(5,272,473)		5,272,473		—		—		(280,039)		1,438,353		—		1,158,314
1 to 3		(3,251,536)		—		3,251,536		—		(415,455)		—		4,850,154		4,434,699
2 to 3		—		(673,799)		673,799		—		—		(418,256)		771,356		353,100
2 to 1		4,815,840		(4,815,840)		—		—		55,760		(724,016)		—		(668,256)
3 to 2		—		849,906		(849,906)		—		—		200,549		(833,305)		(632,756)
3 to 1		1,069,850		—		(1,069,850)		—		(1,556)		—		(564,155)		(565,711)
Net changes of financial assets		2,149,875		(4,301,164)		1,703,495		(447,794)		1,532,578		554,927		3,314,566		5,402,071
Write-Offs		(2,844,265)		(1,807,285)		(10,163,515)		(14,815,065)		(2,844,265)		(1,807,286)		(10,163,515)		(14,815,066)
Exchange Differences and Others		2,248,633		479,256		302,993		3,030,882		50,499		55,556		29,334		135,389
Gross carrying amount at December 31, 2021		282,576,354		23,960,325		15,889,180		322,425,859		3,555,515		5,147,174		10,869,777		19,572,466

Summary of financial assets


				Allowances
		Gross		for loans				Fair value of
Credit Impaired loans		exposure		losses		Book value		collateral
Overdrafts		173,411		129,221		44,190		—
Financial Lease		38,714		14,775		23,939		32,809
Promissory Notes		134,129		69,054		65,075		106,568
Mortgage loans		709,661		399,025		310,636		221,767
Personal loans		2,583,516		2,263,733		319,783		—
Pledge loans		405,197		292,372		112,825		112,825
Credit cards		2,354,959		2,175,042		179,917		—
Other		2,970,197		916,900		2,053,297		2,053,295
Total		9,369,784		6,260,123		3,109,661		2,527,264

Summary of withdrawal financial assets from its balance sheet


		12.31.2022		12.31.2021
Balance at the beginning of the year		15,387,785		21,164,081
Additions		12,639,953		14,815,066
Disposals		(9,711,831)		(6,320,836)
Cash collection		(1,924,172)		(2,129,966)
Portfolio sales		(528,944)		(1,040,168)
Condonation		(7,258,715)		(3,150,702)
Exchange differences and other movements		(10,450,132)		(14,270,525)
Gross carrying amount		7,865,775		15,387,785