The Group’s maximum exposure to credit risk without taking account of any collateral held or other credit enhancements as of December 31, 2016 and 2017 are as follows:
| 2016 | 2017 | |||||||
|
Due from banks and loans (*1)(*3): |
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|
Banks |
13,922,969 | 13,373,140 | ||||||
|
Retail |
115,972,280 | 124,868,554 | ||||||
|
Government |
11,776,346 | 14,442,747 | ||||||
|
Corporations |
116,001,132 | 123,637,882 | ||||||
|
Card receivable |
18,704,516 | 20,119,514 | ||||||
|
|
|
|
|
|||||
| 276,377,243 | 296,441,837 | |||||||
|
|
|
|
|
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|
Trading assets |
22,638,409 | 23,829,943 | ||||||
|
Financial assets designated at FVTPL (*5) |
2,228,186 | 2,344,701 | ||||||
|
AFS financial assets (*6) |
32,822,071 | 37,186,552 | ||||||
|
HTM financial assets (*7) |
19,805,084 | 24,990,680 | ||||||
|
Derivative assets |
3,002,859 | 3,400,178 | ||||||
|
Other financial assets (*1)(*2) |
13,975,889 | 12,041,304 | ||||||
|
Financial guarantee contracts |
3,424,022 | 3,267,707 | ||||||
|
Loan commitments and other credit liabilities |
76,055,306 | 75,518,079 | ||||||
|
|
|
|
|
|||||
| 450,329,069 | 479,020,981 | |||||||
|
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|
|
|
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| (*1) | The maximum exposure amounts for due from banks, loans and other financial assets are measured as net of allowances. |
| (*2) | The credit quality of other financial assets are not included in the details of the Group’s main credit quality disclosures as other financial assets mainly comprise brokerage, securities and spot transaction related receivables, accrued interest receivables, secured key money deposits and domestic exchange settlement debit settled in a day. |
| (*3) | Due from banks and loans were classified as similar credit risk group when calculating the BIS ratio under new Basel Capital Accord (Basel III). |
| (*4) | As of December 31, 2016 and 2017, the maximum exposure to credit risk caused by unused credit commitments amounted to |
| (*5) | FVTPL: fair value through profit or loss |
| (*6) | AFS : available-for-sale |
| (*7) | HTM : held-to-maturity |