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LOANS AND OTHER FINANCING (Tables)

12 Months Ended

Dec. 31, 2024

LOANS AND OTHER FINANCING

Schedule of composition of loan portfolio

​

​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	Total as of
​	​	Assets Before Allowances					​	December 31,
​		Stage 1		Stage 2		Stage 3		2024
Promissory notes		303,301,930		2,266,090		1,020,970		306,588,990
Unsecured corporate loans		303,070,601		5,091,105		4,715,263		312,876,969
Overdrafts		80,064,652		2,194,031		1,235,635		83,494,318
Mortgage loans		257,048,293		8,426,525		1,251,696		266,726,514
Automobile and other secured loans		180,429,857		11,827,296		5,109,431		197,366,584
Personal loans		271,573,217		20,284,186		6,553,640		298,411,043
Credit card loans		262,795,645		11,632,477		3,910,017		278,338,139
Foreign Trade Loans		348,286,411		10,363,458		4,825,112		363,474,981
Other financings		36,754,450		508,900		—		37,263,350
Other receivables from financial transactions		11,500,763		129,265		11,446		11,641,474
Receivables from financial leases		59,171,479		3,740,121		357,236		63,268,836
Subtotal		2,113,997,298		76,463,454		28,990,446		2,219,451,198
Allowances for loan losses		(18,518,639)		(12,984,633)		(17,869,762)		(49,373,034)
Total	​	2,095,478,659	​	63,478,821	​	11,120,684	​	2,170,078,164

​

​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	Total as of
​	​	Assets Before Allowances					​	December 31,
​		Stage 1		Stage 2		Stage 3		2023
Promissory notes		151,407,457		1,738,975		988,501		154,134,933
Unsecured corporate loans		205,019,081		3,895,909		1,147,510		210,062,500
Overdrafts		90,915,387		3,038,898		1,201,639		95,155,924
Mortgage loans		106,405,338		7,785,021		3,296,989		117,487,348
Automobile and other secured loans		27,807,679		5,005,719		563,947		33,377,345
Personal loans		93,640,015		15,859,814		3,516,917		113,016,746
Credit card loans		142,692,389		18,782,490		3,614,502		165,089,381
Foreign Trade Loans		50,711,409		8,731,879		12,250,428		71,693,716
Other financings		80,532,633		3,172,853		—		83,705,486
Other receivables from financial transactions		1,053,867		287,973		8,848		1,350,688
Receivables from financial leases		39,327,656		3,992,142		215,028		43,534,826
Subtotal		989,512,911		72,291,673		26,804,309		1,088,608,893
Allowances for loan losses		(9,928,781)		(11,101,509)		(16,966,911)		(37,997,201)
Total		979,584,130		61,190,164		9,837,398		1,050,611,692

Schedule of eventual responsibility

​

​	​	​	​	​
​	​	12.31.2024		12.31.2023
Other guarantees granted	​	110,358,739	​	203,314,067
Responsibilities for foreign trade loans	​	28,916,698	​	27,841,210
Documentary loans	​	15,781,305	​	10,369,477
Overdrafts	​	20,756,519	​	1,240,473
Total eventual responsability	​	175,813,261	​	242,765,227

Schedule 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		989,512,911		72,291,673		26,804,309		1,088,608,893		9,928,780		11,101,509		16,966,911		37,997,200
Transfers		​		​		​		​		​	​	​	​	​		​
Stage 1 to 2		(3,584,917)		3,584,917		—		—		(116,985)	​	1,030,912	​	—		913,927
Stage 1 to 3		(8,343,147)		—		8,343,147		—		(28,650)	​	—	​	1,567,021		1,538,371
Stage 2 to 3		—		(329,657)		329,657		—		—	​	(65,722)	​	375,206		309,484
Stage 2 to 1		7,911,551		(7,911,551)		—		—		361,569	​	(1,117,854)	​	—		(756,285)
Stage 3 to 2		—		780,268		(780,268)		—		—	​	18,320	​	(548,901)		(530,581)
Stage 3 to 1		107,992		—		(107,992)		—		2,080	​	—	​	(67,596)		(65,516)
Additions	​	1,677,516,637		—		—		1,677,516,637	​	13,417,776	​	—	​	—	​	13,417,776
Disposals	​	(354,189,251)		(15,174,497)		(20,804,019)		(390,167,767)	​	(1,733,279)	​	(2,500,356)	​	(2,754,021)	​	(6,987,656)
Interest accrual	​	191,551,079		53,255,197		29,409,870		274,216,146	​	2,117,862	​	10,534,865	​	22,111,604	​	34,764,331
Write-Offs		(113,143)		(90,757)		(12,123,262)		(12,327,162)		(113,143)	​	(90,757)	​	(12,123,262)		(12,327,162)
Portfolio sale		—		—		(1,088,576)		(1,088,576)		—	​	—	​	(1,003,942)		(1,003,942)
Exchange Differences and Others		10,331,332		1,254,587		1,555,861		13,141,780	​	37,884	​	66,300	​	653,421		757,605
Result from exposure to changes in the purchasing power of money	​	(396,703,746)		(31,196,726)		(2,548,281)		(430,448,753)	​	(5,355,255)	​	(5,992,584)	​	(7,306,679)	​	(18,654,518)
Gross carrying amount at December 31, 2024		2,113,997,298		76,463,454		28,990,446	​	2,219,451,198	​	18,518,639	​	12,984,633	​	17,869,762		49,373,034

​

​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​		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	​	1,478,516,294	​	127,178,904	​	63,539,559	​	1,669,234,757	​	20,585,901	​	19,843,883	​	42,451,935	​	82,881,719
Transfers		​		​		​		​		​	​	​	​	​		​
Stage 1 to 2		(8,523,510)		8,523,510		—		—		(317,362)	​	743,016	​	—		425,654
Stage 1 to 3		(660,712)		—		660,712		—		(10,662)	​	—	​	489,295		478,633
Stage 2 to 3		—		(440,335)		440,335		—		—	​	(32,466)	​	186,007		153,541
Stage 2 to 1		5,405,651		(5,405,651)		—		—		92,656	​	(242,619)	​	—		(149,963)
Stage 3 to 2		—		83,144		(83,144)		—		—	​	10,923	​	(44,378)		(33,455)
Stage 3 to 1		56,514		—		(56,514)		—		1,067	​	—	​	(24,154)		(23,087)
Additions		952,686,596		—		—		952,686,596		24,724,340	​	—	​	—		24,724,340
Disposals		(371,850,792)		(25,565,367)		(15,429,263)		(412,845,422)		(26,714,512)	​	(5,583,915)	​	(11,330,067)		(43,628,494)
Net changes of financial assets	​	129,351,784		7,881,815		11,020,157		148,253,756		115,913	​	651,666	​	5,830,917		6,598,496
Write-Offs	​	(4,005,087)		(9,162,243)		(20,876,934)		(34,044,264)		(4,005,087)	​	(9,162,243)	​	(20,876,934)		(34,044,264)
Portfolio sale	​	—		—		(12,661,115)		(12,661,115)	​	—	​	—	​	(12,330,922)	​	(12,330,922)
Exchange Differences and Others	​	13,408,571		39,044,792		16,199,813		68,653,176		6,053,376	​	12,737,352	​	31,323,848		50,114,576
Result from exposure to changes in the purchasing power of money	​	(1,204,872,398)		(69,846,896)		(15,949,297)		(1,290,668,591)		(10,596,850)	​	(7,864,088)	​	(18,708,636)		(37,169,574)
Gross carrying amount at December 31, 2023	​	989,512,911	​	72,291,673	​	26,804,309	​	1,088,608,893	​	9,928,780	​	11,101,509	​	16,966,911	​	37,997,200

Schedule of financial assets

​

​	​	​	​	​	​	​	​	​
​	​	​	​	Allowances	​	​	​	​
​	​	Gross	​	for loans	​	​	​	Fair value of
Credit Impaired loans		exposure		losses		Book value		collateral
Overdrafts	​	1,235,635	​	939,791	​	295,844	​	153,218
Receivables from financial leases		357,236	​	214,615	​	142,621	​	122,430
Promissory Notes		1,020,970	​	540,917	​	480,053	​	300,235
Mortgage loans		1,251,696	​	344,610	​	907,086	​	1,902,913
Personal loans		6,553,640	​	6,241,343	​	312,297	​	—
Automobile and other secured loans		5,109,431	​	3,548,135	​	1,561,296	​	7,680,211
Credit Card Loans		3,910,017	​	3,579,676	​	330,341	​	—
Other		9,551,821	​	2,460,675	​	7,091,146	​	6,128,227
Total		28,990,446		17,869,762		11,120,684		16,287,234

​

Schedule of withdrawal financial assets from its balance sheet

​

​	​	​	​	​
​		12.31.2024		12.31.2023
Balance at the beginning of the year		19,795,047		53,340,375
Additions		12,327,162		34,044,264
Disposals		(5,441,409)		(13,526,860)
Cash collection		(3,556,231)		(9,034,998)
Portfolio sales		(466,457)		(1,808,888)
Condonation		(1,418,721)		(2,682,974)
Exchange differences and other movements		(12,598,750)		(54,062,732)
Gross carrying amount		14,082,050		19,795,047

​

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