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- strategy (insurance, health, investments, finances);
- sustainable development (sales, employees, social responsibility, natural environment and ethics).
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GRIs
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Operating model
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Risk and ethics
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In the Chapter
Operating model
Climate
Employee
CSR
Risk and ethics
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Business
In the Chapter
Operating model
Employee
Risk and ethics
Business
In the Chapter
Operating model
Employee
Risk and ethics
Business
In the Chapter
Operating model
Climate
Employee
CSR
Risk and ethics
37.2 Quantitative data
| Loan receivables from clients measured at amortized cost | 1 January – 31 December 2019 | 1 January – 31 December 2018 | |||||||||
| Basket 1 | Basket 2 | Basket 3 | POCI | Total | Basket 1 | Basket 2 | Basket 3 | POCI | Total | ||
| Gross carrying amount | |||||||||||
| Balance at the beginning of the period | 159,612 | 16,069 | 7,855 | 7,165 | 190,701 | 147,695 | 13,816 | 4,049 | 12,152 | 177,712 | |
| Recognition of instruments at the time of acquisition, creation, granting | 58,360 | - | - | 5 | 58,365 | 47,886 | - | - | 2 | 47,888 | |
| Changes attributable to valuation, sale, exclusion or expiration of the instrument | (39,687) | (1,855) | (511) | (1,116) | (43,169) | (30,666) | (282) | 5,069 | (5,031) | (30,910) | |
| Change attributable to modification of cash flows concerning the given instrument | (2) | - | - | - | (2) | - | - | (1) | 1 | - | |
| Assets written down from the balance sheet | - | (50) | (1,015) | - | (1,065) | - | - | (4,290) | (12) | (4,302) | |
| Reclassification to basket 1 | 6,125 | (6,064) | (61) | - | - | 4,915 | (4,851) | (64) | - | - | |
| Reclassification to basket 2 | (11,063) | 11,380 | (317) | - | - | (8,987) | 9,399 | (412) | - | - | |
| Reclassification to basket 3 | (2,789) | (1,997) | 4,786 | - | - | (1,740) | (1,809) | 3,549 | - | - | |
| Other changes | (272) | 126 | 243 | - | 97 | 509 | (204) | (45) | 53 | 313 | |
| Balance at the end of the period | 170,284 | 17,609 | 10,980 | 6,054 | 204,927 | 159,612 | 16,069 | 7,855 | 7,165 | 190,701 | |
| Expected credit losses | |||||||||||
| Balance at the beginning of the period | (870) | (1,189) | (3,601) | (4,801) | (10,461) | 401 | (1,821) | (2,498) | (8,097) | (12,015) | |
| Establishment of allowances for newly acquired, created, granted instruments | (815) | - | - | (3) | (818) | (150) | (2) | - | - | (152) | |
| Changes attributable to valuation, credit risk level, sale, exclusion or expiration of the instrument, excluding reclassification | 1,007 | (501) | (2,186) | 452 | (1,228) | (982) | 267 | (5,405) | 3,345 | (2,775) | |
| Assets written down from the balance sheet | - | 50 | 1,015 | - | 1,065 | - | - | 4,290 | 12 | 4,302 | |
| Reclassification to basket 1 | (371) | 347 | 24 | - | - | (309) | 281 | 28 | - | - | |
| Reclassification to basket 2 | 134 | (238) | 104 | - | - | 90 | (172) | 82 | - | - | |
| Reclassification to basket 3 | 132 | 224 | (356) | - | - | 65 | 257 | (322) | - | - | |
| Other changes | (17) | (14) | (247) | 37 | (241) | 15 | 1 | 224 | (61) | 179 | |
| Balance at the end of the period | (800) | (1,321) | (5,247) | (4,315) | (11,683) | (870) | (1,189) | (3,601) | (4,801) | (10,461) | |
| Net carrying amount at the end of the period | 169,484 | 16,288 | 5,733 | 1,739 | 193,244 | 158,742 | 14,880 | 4,254 | 2,364 | 180,240 | |
| Loan receivables from clients measured at fair value through other comprehensive income | 1 January – 31 December 2019 | 1 January – 31 December 2018 | ||||||||
| Basket 1 | Basket 2 | Basket 3 | POCI | Total | Basket 1 | Basket 2 | Basket 3 | POCI | Total | |
| Carrying amount | ||||||||||
| Balance at the beginning of the period | 1,511 | - | - | - | 1,511 | 1,556 | - | - | - | 1,556 |
| Recognition of instruments at the time of acquisition, creation, granting | 571 | - | - | - | 571 | 401 | - | - | - | 401 |
| Change in measurement | - | (6) | - | - | (6) | 49 | - | - | - | 49 |
| Changes attributable to sale, exclusion or expiration of the instrument | (686) | (16) | - | - | (702) | (490) | - | - | - | (490) |
| Reclassification to basket 2 | (624) | 624 | - | - | - | - | - | - | - | - |
| Other changes | - | 7 | - | - | 7 | (5) | - | - | - | (5) |
| Balance at the end of the period | 772 | 609 | - | - | 1,381 | 1,511 | - | - | - | 1,511 |
| Expected credit losses | ||||||||||
| Balance at the beginning of the period | (14) | - | - | - | (14) | (18) | - | - | - | (18) |
| Establishment of allowances for newly acquired, created, granted instruments | (2) | - | - | - | (2) | (1) | - | - | - | (1) |
| Changes attributable to valuation or credit risk level (excluding reclassification) | 2 | (9) | - | - | (7) | 3 | - | - | - | 3 |
| Changes attributable to sale, exclusion or expiration of the instrument | 3 | - | - | - | 3 | 2 | - | - | - | 2 |
| Reclassification to basket 2 | 8 | (8) | - | - | - | - | - | - | - | - |
| Other changes | (1) | - | - | - | (1) | - | - | - | - | - |
| Balance at the end of the period | (4) | (17) | - | - | (21) | (14) | - | - | - | (14) |
The allowance pertaining to loan receivables from clients measured at fair value through other comprehensive income is recognized in revaluation reserve and it does not lower the carrying amount of assets.
| Debt investment financial assets measured at amortized cost | 1 January – 31 December 2019 | 1 January – 31 December 2018 | ||||||||
| Basket 1 | Basket 2 | Basket 3 | POCI | Total | Basket 1 | Basket 2 | Basket 3 | POCI | Total | |
| Gross carrying amount | ||||||||||
| Balance at the beginning of the period | 34,657 | 35 | 33 | 2 | 34,727 | 32,450 | 186 | 31 | 16 | 32,683 |
| Recognition of instruments at the time of acquisition, creation, granting | 9,538 | - | - | - | 9,538 | 5,705 | - | - | - | 5,705 |
| Change in measurement | 683 | - | - | - | 683 | 757 | 2 | 1 | (2) | 758 |
| Changes attributable to sale, exclusion or expiration of the instrument | (9,112) | - | - | (2) | (9,114) | (4,318) | (153) | - | (12) | (4,483) |
| Reclassification to basket 2 | (332) | 332 | - | - | - | - | - | - | - | - |
| Other changes, including foreign exchange differences | 180 | 1 | 1 | - | 182 | 63 | - | 1 | - | 64 |
| Balance at the end of the period | 35,614 | 368 | 34 | - | 36,016 | 34,657 | 35 | 33 | 2 | 34,727 |
| Expected credit losses | ||||||||||
| Balance at the beginning of the period | (35) | (7) | (33) | - | (75) | (38) | (17) | (31) | - | (86) |
| Establishment of allowances for newly acquired, created, granted instruments | (6) | - | - | - | (6) | (5) | - | - | - | (5) |
| Changes attributable to valuation or credit risk level (excluding reclassification) | (4) | (3) | - | - | (7) | (1) | 1 | (1) | - | (1) |
| Changes attributable to sale, exclusion or expiration of the instrument | 5 | - | - | - | 5 | 5 | 9 | - | - | 14 |
| Reclassification to basket 2 | 9 | (9) | - | - | - | - | - | - | - | - |
| Other changes, including foreign exchange differences | (2) | - | (1) | - | (3) | 4 | - | (1) | - | 3 |
| Balance at the end of the period | (33) | (19) | (34) | - | (86) | (35) | (7) | (33) | - | (75) |
| Net carrying amount at the end of the period | 35,581 | 349 | - | - | 35,930 | 34,622 | 28 | - | 2 | 34,652 |
Value of allowances for expected credit losses concerning buy-sell-back transactions is zero.
| Debt investment financial assets measured at fair value through other comprehensive income | 1 January – 31 December 2019 | 1 January – 31 December 2018 | |||||||||
| Basket 1 | Basket 2 | Basket 3 | POCI | Total | Basket 1 | Basket 2 | Basket 3 | POCI | Total | ||
| Carrying amount | |||||||||||
| Balance at the beginning of the period | 38,142 | 73 | - | - | 38,215 | 50,181 | 74 | - | - | 50,255 | |
| Recognition of instruments at the time of acquisition, creation, granting | 203,057 | - | - | - | 203,057 | 136,513 | - | - | - | 136,513 | |
| Change in measurement | 725 | (5) | - | - | 720 | 89 | 1 | - | - | 90 | |
| Change attributable to modification of cash flows concerning the given instrument | (8) | - | - | - | (8) | (1) | - | - | - | (1) | |
| Changes attributable to sale, exclusion or expiration of the instrument | (187,893) | - | - | - | (187,893) | (149,227) | (2) | - | - | (149,229) | |
| Reclassification to basket 2 | (87) | 87 | - | - | - | - | - | - | - | - | |
| Other changes, including foreign exchange differences | 601 | 1 | - | - | 602 | 587 | - | - | - | 587 | |
| Balance at the end of the period | 54,537 | 156 | - | - | 54,693 | 38,142 | 73 | - | - | 38,215 | |
| Expected credit losses | |||||||||||
| Balance at the beginning of the period | (37) | (3) | - | - | (40) | (31) | (6) | - | - | (37) | |
| Establishment of allowances for newly acquired, created, granted instruments | (18) | - | - | - | (18) | (20) | - | - | - | (20) | |
| Changes attributable to valuation or credit risk level (excluding reclassification) | (1) | 2 | - | - | 1 | 4 | 1 | - | - | 5 | |
| Changes attributable to sale, exclusion or expiration of the instrument | 14 | - | - | - | 14 | 10 | 2 | - | - | 12 | |
| Reclassification to basket 2 | 1 | (1) | - | - | - | - | - | - | - | - | |
| Balance at the end of the period | (41) | (2) | - | - | (43) | (37) | (3) | - | - | (40) | |
The allowance pertaining to debt investment financial assets measured at fair value through other comprehensive income is recognized in revaluation reserve and it does not lower the carrying amount of assets.
| Term deposits with credit institutions | 1 January – 31 December 2019 | 1 January – 31 December 2018 | |||||||||
| Basket 1 | Basket 2 | Basket 3 | POCI | Total | Basket 1 | Basket 2 | Basket 3 | POCI | Total | ||
| Gross carrying amount | |||||||||||
| Balance at the beginning of the period | 2,770 | 1 | 9 | - | 2,780 | 1,841 | 1 | 21 | - | 1,863 | |
| Recognition of instruments at the time of acquisition, creation, granting | 228,598 | - | - | - | 228,598 | 143,630 | - | - | - | 143,630 | |
| Change in measurement | 4 | - | - | - | 4 | 9 | - | - | - | 9 | |
| Changes attributable to sale, exclusion or expiration of the instrument | (229,902) | - | - | - | (229,902) | (143,300) | - | - | - | (143,300) | |
| Other changes | (15) | - | (9) | (24) | 590 | - | (12) | - | 578 | ||
| Balance at the end of the period | 1,455 | 1 | - | - | 1,456 | 2,770 | 1 | 9 | - | 2,780 | |
| Expected credit losses | |||||||||||
| Balance at the beginning of the period | (2) | - | (9) | - | (11) | (1) | - | (21) | - | (22) | |
| Establishment of allowances for newly acquired, created, granted instruments | (6) | - | - | - | (6) | (2) | - | - | - | (2) | |
| Changes attributable to valuation or credit risk level (excluding reclassification) | 2 | - | - | - | 2 | 1 | - | - | - | 1 | |
| Other changes | 4 | - | 9 | - | 13 | - | - | 12 | - | 12 | |
| Balance at the end of the period | (2) | - | - | - | (2) | (2) | - | (9) | - | (11) | |
| Net carrying amount at the end of the period | 1,453 | 1 | - | - | 1,454 | 2,768 | 1 | - | - | 2,769 | |
| Loans | 1 January – 31 December 2019 | 1 January – 31 December 2018 | ||||||||
| Basket 1 | Basket 2 | Basket 3 | POCI | Total | Basket 1 | Basket 2 | Basket 3 | POCI | Total | |
| Gross carrying amount | ||||||||||
| Balance at the beginning of the period | 4,595 | - | - | - | 4,595 | 3,699 | - | - | - | 3,699 |
| Recognition of instruments at the time of acquisition, creation, granting | 547 | - | - | - | 547 | 1,077 | - | - | - | 1,077 |
| Change in measurement | 14 | - | - | - | 14 | 83 | - | - | - | 83 |
| Changes attributable to sale, exclusion or expiration of the instrument | (577) | (61) | - | - | (638) | (264) | - | - | - | (264) |
| Reclassification to basket 2 | (61) | 61 | - | - | - | |||||
| Other changes | (1) | - | - | - | (1) | |||||
| Balance at the end of the period | 4,517 | - | - | - | 4,517 | 4,595 | - | - | - | 4,595 |
| Expected credit losses | ||||||||||
| Balance at the beginning of the period | (60) | - | - | - | (60) | (46) | - | - | - | (46) |
| Establishment of allowances for newly acquired, created, granted instruments | (2) | - | - | - | (2) | (16) | - | - | - | (16) |
| Changes attributable to valuation or credit risk level (excluding reclassification) | 33 | (2) | - | - | 31 | 2 | - | - | - | 2 |
| Changes attributable to sale, exclusion or expiration of the instrument | 1 | 3 | - | - | 4 | |||||
| Reclassification to basket 2 | 1 | (1) | - | - | - | |||||
| Balance at the end of the period | (27) | - | - | - | (27) | (60) | - | - | - | (60) |
| Net carrying amount at the end of the period | 4,490 | - | - | - | 4,490 | 4,535 | - | - | - | 4,535 |
The allowance pertaining to loan receivables from clients measured at fair value through other comprehensive income is recognized in revaluation reserve and it does not lower the carrying amount of assets.
| Receivables | 1 January – 31 December 2019 | 1 January – 31 December 2018 |
| Gross carrying amount | ||
| Balance at the beginning of the period | 7,282 | 9,950 |
| Changes in the period | (457) | (2,668) |
| Balance at the end of the period | 6,825 | 7,282 |
| Expected credit losses | ||
| Balance at the beginning of the period | (939) | (823) |
| Changes in the period | (149) | (116) |
| Balance at the end of the period | (1,088) | (939) |
| Net carrying amount at the end of the period | 5,737 | 6,343 |