XML 196 R162.htm IDEA: XBRL DOCUMENT v3.25.1
LOANS AND OTHER FINANCING - Changes in gross carrying amount and corresponding expected credit losses (Details) - ARS ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
LOANS AND OTHER FINANCING    
Financial assets at beginning of period $ 4,054,543,851  
Financial assets at end of period 4,108,605,647 $ 4,054,543,851
Gross carrying amount    
LOANS AND OTHER FINANCING    
Financial assets at beginning of period 1,088,608,893 1,669,234,757
Additions 1,677,516,637 952,686,596
Disposals (390,167,767) (412,845,422)
Interest accrual 274,216,146  
Net changes of financial assets   148,253,756
Write-Offs (12,327,162) (34,044,264)
Portfolio sale (1,088,576) (12,661,115)
Exchange Differences and Others 13,141,780 68,653,176
Result from exposure to changes in the purchasing power of money (430,448,753) (1,290,668,591)
Financial assets at end of period 2,219,451,198 1,088,608,893
Stage 1 | Gross carrying amount    
LOANS AND OTHER FINANCING    
Financial assets at beginning of period 989,512,911 1,478,516,294
Transfers 1 to 2 (3,584,917) (8,523,510)
1 to 3 (8,343,147) (660,712)
2 to 1 7,911,551 5,405,651
3 to 1 107,992 56,514
Additions 1,677,516,637 952,686,596
Disposals (354,189,251) (371,850,792)
Interest accrual 191,551,079  
Net changes of financial assets   129,351,784
Write-Offs (113,143) (4,005,087)
Exchange Differences and Others 10,331,332 13,408,571
Result from exposure to changes in the purchasing power of money (396,703,746) (1,204,872,398)
Financial assets at end of period 2,113,997,298 989,512,911
Stage 2 | Gross carrying amount    
LOANS AND OTHER FINANCING    
Financial assets at beginning of period 72,291,673 127,178,904
Transfers 1 to 2 3,584,917 8,523,510
2 to 3 (329,657) (440,335)
2 to 1 (7,911,551) (5,405,651)
3 to 2 780,268 83,144
Disposals (15,174,497) (25,565,367)
Interest accrual 53,255,197  
Net changes of financial assets   7,881,815
Write-Offs (90,757) (9,162,243)
Exchange Differences and Others 1,254,587 39,044,792
Result from exposure to changes in the purchasing power of money (31,196,726) (69,846,896)
Financial assets at end of period 76,463,454 72,291,673
Stage 3 | Gross carrying amount    
LOANS AND OTHER FINANCING    
Financial assets at beginning of period 26,804,309 63,539,559
1 to 3 8,343,147 660,712
2 to 3 329,657 440,335
3 to 2 (780,268) (83,144)
3 to 1 (107,992) (56,514)
Disposals (20,804,019) (15,429,263)
Interest accrual 29,409,870  
Net changes of financial assets   11,020,157
Write-Offs (12,123,262) (20,876,934)
Portfolio sale (1,088,576) (12,661,115)
Exchange Differences and Others 1,555,861 16,199,813
Result from exposure to changes in the purchasing power of money (2,548,281) (15,949,297)
Financial assets at end of period 28,990,446 26,804,309
Expected credit losses    
LOANS AND OTHER FINANCING    
Financial assets at beginning of period 37,997,200 82,881,719
Transfers 1 to 2 913,927 425,654
1 to 3 1,538,371 478,633
2 to 3 309,484 153,541
2 to 1 (756,285) (149,963)
3 to 2 (530,581) (33,455)
3 to 1 (65,516) (23,087)
Additions 13,417,776 24,724,340
Disposals (6,987,656) (43,628,494)
Interest accrual 34,764,331  
Net changes of financial assets   6,598,496
Write-Offs (12,327,162) (34,044,264)
Portfolio sale (1,003,942) (12,330,922)
Exchange Differences and Others 757,605 50,114,576
Result from exposure to changes in the purchasing power of money (18,654,518) (37,169,574)
Financial assets at end of period 49,373,034 37,997,200
Expected credit losses | Stage 1    
LOANS AND OTHER FINANCING    
Financial assets at beginning of period 9,928,780 20,585,901
Transfers 1 to 2 (116,985) (317,362)
1 to 3 (28,650) (10,662)
2 to 1 361,569 92,656
3 to 1 2,080 1,067
Additions 13,417,776 24,724,340
Disposals (1,733,279) (26,714,512)
Interest accrual 2,117,862  
Net changes of financial assets   115,913
Write-Offs (113,143) (4,005,087)
Exchange Differences and Others 37,884 6,053,376
Result from exposure to changes in the purchasing power of money (5,355,255) (10,596,850)
Financial assets at end of period 18,518,639 9,928,780
Expected credit losses | Stage 2    
LOANS AND OTHER FINANCING    
Financial assets at beginning of period 11,101,509 19,843,883
Transfers 1 to 2 1,030,912 743,016
2 to 3 (65,722) (32,466)
2 to 1 (1,117,854) (242,619)
3 to 2 18,320 10,923
Disposals (2,500,356) (5,583,915)
Interest accrual 10,534,865  
Net changes of financial assets   651,666
Write-Offs (90,757) (9,162,243)
Exchange Differences and Others 66,300 12,737,352
Result from exposure to changes in the purchasing power of money (5,992,584) (7,864,088)
Financial assets at end of period 12,984,633 11,101,509
Expected credit losses | Stage 3    
LOANS AND OTHER FINANCING    
Financial assets at beginning of period 16,966,911 42,451,935
1 to 3 1,567,021 489,295
2 to 3 375,206 186,007
3 to 2 (548,901) (44,378)
3 to 1 (67,596) (24,154)
Disposals (2,754,021) (11,330,067)
Interest accrual 22,111,604  
Net changes of financial assets   5,830,917
Write-Offs (12,123,262) (20,876,934)
Portfolio sale (1,003,942) (12,330,922)
Exchange Differences and Others 653,421 31,323,848
Result from exposure to changes in the purchasing power of money (7,306,679) (18,708,636)
Financial assets at end of period $ 17,869,762 $ 16,966,911