The changes in the allowance for loan and lease losses are shown in the table below:
|
Composition of the carrying amount by class of assets |
Opening balance 12/31/2016 |
Write-offs | Net increase / (Reversal) |
Closing balance 12/31/2017 |
||||||||||||
|
Individuals |
14,259 | (12,538 | ) | 11,271 | 12,992 | |||||||||||
|
Credit card |
3,693 | (4,252 | ) | 4,028 | 3,469 | |||||||||||
|
Personal loans |
7,756 | (6,412 | ) | 5,500 | 6,844 | |||||||||||
|
Payroll loans |
2,108 | (1,357 | ) | 1,331 | 2,082 | |||||||||||
|
Vehicles |
644 | (476 | ) | 382 | 550 | |||||||||||
|
Mortgage loans |
58 | (41 | ) | 30 | 47 | |||||||||||
|
Corporate |
5,862 | (1,648 | ) | 2,744 | 6,958 | |||||||||||
|
Small and medium businesses |
4,743 | (4,168 | ) | 3,244 | 3,819 | |||||||||||
|
Foreign loans—Latin America |
2,108 | (1,469 | ) | 3,487 | 4,126 | |||||||||||
|
|
|
|
|
|
|
|
|
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|
Total |
26,972 | (19,823 | ) | 20,746 | 27,895 | |||||||||||
|
|
|
|
|
|
|
|
|
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|
Composition of the carrying amount by class of assets |
Opening balance 12/31/2015 |
Write-offs | Net increase / (Reversal) |
Closing balance 12/31/2016 |
||||||||||||
|
Individuals |
14,717 | (13,682 | ) | 13,224 | 14,259 | |||||||||||
|
Credit card |
4,141 | (4,905 | ) | 4,457 | 3,693 | |||||||||||
|
Personal loans |
8,330 | (6,745 | ) | 6,171 | 7,756 | |||||||||||
|
Payroll loans |
1,319 | (1,273 | ) | 2,062 | 2,108 | |||||||||||
|
Vehicles |
874 | (709 | ) | 479 | 644 | |||||||||||
|
Mortgage loans |
53 | (50 | ) | 55 | 58 | |||||||||||
|
Corporate |
6,459 | (4,985 | ) | 4,388 | 5,862 | |||||||||||
|
Small and medium businesses |
4,809 | (4,267 | ) | 4,201 | 4,743 | |||||||||||
|
Foreign loans—Latin America |
859 | (1,317 | ) | 2,566 | 2,108 | |||||||||||
|
|
|
|
|
|
|
|
|
|||||||||
|
Total |
26,844 | (24,251 | ) | 24,379 | 26,972 | |||||||||||
|
|
|
|
|
|
|
|
|
|||||||||
|
Composition of the carrying amount by class of assets |
Opening balance 12/31/2014 |
Write-offs | Net increase / (Reversal) |
Closing balance 12/31/2015 |
||||||||||||
|
Individuals |
13,385 | (11,235 | ) | 12,567 | 14,717 | |||||||||||
|
Credit card |
3,740 | (4,055 | ) | 4,456 | 4,141 | |||||||||||
|
Personal loans |
7,024 | (5,221 | ) | 6,527 | 8,330 | |||||||||||
|
Payroll loans |
1,107 | (622 | ) | 834 | 1,319 | |||||||||||
|
Vehicles |
1,469 | (1,294 | ) | 699 | 874 | |||||||||||
|
Mortgage loans |
45 | (43 | ) | 51 | 53 | |||||||||||
|
Corporate |
3,114 | (4,321 | ) | 7,666 | 6,459 | |||||||||||
|
Small and medium businesses |
5,158 | (3,981 | ) | 3,632 | 4,809 | |||||||||||
|
Foreign loans—Latin America |
735 | (528 | ) | 652 | 859 | |||||||||||
|
|
|
|
|
|
|
|
|
|||||||||
|
Total |
22,392 | (20,065 | ) | 24,517 | 26,844 | |||||||||||
|
|
|
|
|
|
|
|
|
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The composition of the allowance for loan and lease losses by customer sector is shown in the following table:
| 12/31/2017 | 12/31/2016 | |||||||
|
Public sector |
4 | 5 | ||||||
|
Industry and commerce |
4,634 | 5,253 | ||||||
|
Services |
6,835 | 5,237 | ||||||
|
Natural resources |
824 | 872 | ||||||
|
Other sectors |
629 | 19 | ||||||
|
Individuals |
14,969 | 15,586 | ||||||
|
|
|
|
|
|||||
|
Total |
27,895 | 26,972 | ||||||
|
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|
|
|
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