| | 2017 | | 2016 | | 2015 | | |||
| | S/(000) | | S/(000) | | S/(000) | | |||
| | | | | | | | | | |
Balance at the beginning of the year | | | 296,339 | | | 196,261 | | | 158,013 | |
Provision, Note 27 | | | 29,023 | | | 28,093 | | | 38,248 | |
Increase (decrease), net | | | (49,521) | | | 71,985 | | | | |
Balances | | | 275,841 | | | 296,339 | | | 196,261 | |