XML 134 R109.htm IDEA: XBRL DOCUMENT v3.23.1
LOANS AND ADVANCES TO CUSTOMERS, NET - Significant changes in the loans and the allowance for loans losses (Details) - COP ($)
$ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Commercial | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance $ 114,911,843 $ 98,659,287
Remeasurement arising from transfer of stage (907,737) (670,058)
Remeasurement from remaining in the stage (8,442,662) (5,981,202)
New financial assets purchased/originated 74,338,286 66,168,716
Financial assets that have been derecognized (43,014,916) (47,717,683)
Charges-off (1,742,895) (674,248)
Foreign Exchange and other movements 8,395,934 5,127,031
Ending balance 143,537,853 114,911,843
Commercial | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (7,813,023) (7,673,720)
Transfers of financial instruments:  
Transfers from stage 1 to stage 2  
Transfers from stage 1 to stage 3  
Transfers from stage 2 to stage 1  
Transfers from stage 2 to stage 3  
Transfers from stage 3 to stage 1  
Transfers from stage 3 to stage 2  
Remeasurement arising from transfer of stage (593,028) (420,045)
Remeasurement from remaining in the stage (387,697) (34,669)
Remeasurement due to changes in economics factors 111,528 (144,897)
Remeasurement due to changes in model inputs  
Remeasurement due to methodological changes 244,604 115,499
New financial assets purchased/originated (1,726,662) (1,631,017)
Financial assets that have been derecognized 1,562,690 1,602,789
Charges-off 1,742,895 674,248
Foreign Exchange and other movements (411,612) (301,211)
Ending balance (7,270,305) (7,813,023)
Commercial | Stage One | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 97,000,580 80,863,445
Transfers of financial instruments: (1,000,903) (1,251,539)
Transfers from stage 1 to stage 2 (1,826,599) (1,892,044)
Transfers from stage 1 to stage 3 (495,556) (487,386)
Transfers from stage 2 to stage 1 1,318,572 1,076,007
Transfers from stage 3 to stage 1 2,680 51,884
Remeasurement arising from transfer of stage (418,622) (250,567)
Remeasurement from remaining in the stage (8,259,356) (5,706,414)
New financial assets purchased/originated 71,027,870 62,765,437
Financial assets that have been derecognized (38,422,512) (43,381,187)
Charges-off (19,378) (9,647)
Foreign Exchange and other movements 6,623,183 3,971,052
Ending balance 126,530,862 97,000,580
Commercial | Stage One | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (745,898) (1,212,753)
Transfers of financial instruments: (55,842) (45,325)
Transfers from stage 1 to stage 2 40,086 53,521
Transfers from stage 1 to stage 3 24,385 32,490
Transfers from stage 2 to stage 1 (115,364) (106,935)
Transfers from stage 3 to stage 1 (4,949) (24,401)
Remeasurement arising from transfer of stage 102,555 105,392
Remeasurement from remaining in the stage 121,886 463,588
Remeasurement due to changes in economics factors (37,926) (7,878)
Remeasurement due to methodological changes 98,728 5,955
New financial assets purchased/originated (323,336) (429,280)
Financial assets that have been derecognized 190,804 425,740
Charges-off 1,330 617
Foreign Exchange and other movements (17,560) (51,954)
Ending balance (665,259) (745,898)
Commercial | Stage Two | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 8,335,781 8,203,659
Transfers of financial instruments: 164,928 791,803
Transfers from stage 1 to stage 2 1,826,599 1,892,044
Transfers from stage 2 to stage 1 (1,318,572) (1,076,007)
Transfers from stage 2 to stage 3 (791,245) (858,035)
Transfers from stage 3 to stage 2 448,146 833,801
Remeasurement arising from transfer of stage (288,452) (220,848)
Remeasurement from remaining in the stage (250,538) (257,121)
New financial assets purchased/originated 1,638,849 1,944,115
Financial assets that have been derecognized (2,625,441) (2,792,192)
Charges-off (48,003) (18,777)
Foreign Exchange and other movements 1,135,311 685,142
Ending balance 8,062,435 8,335,781
Commercial | Stage Two | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (917,747) (761,415)
Transfers of financial instruments: (58,355) (33,245)
Transfers from stage 1 to stage 2 (40,086) (53,521)
Transfers from stage 2 to stage 1 115,364 106,935
Transfers from stage 2 to stage 3 85,224 100,584
Transfers from stage 3 to stage 2 (218,857) (187,243)
Remeasurement arising from transfer of stage (3,163) (67,128)
Remeasurement from remaining in the stage 53,997 54,320
Remeasurement due to changes in economics factors 157,149 (141,352)
Remeasurement due to methodological changes 92,122 111,748
New financial assets purchased/originated (256,104) (258,663)
Financial assets that have been derecognized 208,049 211,516
Charges-off 26,417 8,772
Foreign Exchange and other movements (54,093) (42,300)
Ending balance (751,728) (917,747)
Commercial | Stage Three | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 9,575,482 9,592,183
Transfers of financial instruments: 835,975 459,736
Transfers from stage 1 to stage 3 495,556 487,386
Transfers from stage 2 to stage 3 791,245 858,035
Transfers from stage 3 to stage 1 (2,680) (51,884)
Transfers from stage 3 to stage 2 (448,146) (833,801)
Remeasurement arising from transfer of stage (200,663) (198,643)
Remeasurement from remaining in the stage 67,232 (17,667)
New financial assets purchased/originated 1,671,567 1,459,164
Financial assets that have been derecognized (1,966,963) (1,544,304)
Charges-off (1,675,514) (645,824)
Foreign Exchange and other movements 637,440 470,837
Ending balance 8,944,556 9,575,482
Commercial | Stage Three | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (6,149,378) (5,699,552)
Transfers of financial instruments: 114,197 78,570
Transfers from stage 1 to stage 3 (24,385) (32,490)
Transfers from stage 2 to stage 3 (85,224) (100,584)
Transfers from stage 3 to stage 1 4,949 24,401
Transfers from stage 3 to stage 2 218,857 187,243
Remeasurement arising from transfer of stage (692,420) (458,309)
Remeasurement from remaining in the stage (563,580) (552,577)
Remeasurement due to changes in economics factors (7,695) 4,333
Remeasurement due to methodological changes 53,754 (2,204)
New financial assets purchased/originated (1,147,222) (943,074)
Financial assets that have been derecognized 1,163,837 965,533
Charges-off 1,715,148 664,859
Foreign Exchange and other movements (339,959) (206,957)
Ending balance (5,853,318) (6,149,378)
Consumer | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 48,363,040 41,055,939
Remeasurement arising from transfer of stage 114,014 207,839
Remeasurement from remaining in the stage (3,521,959) (2,719,587)
New financial assets purchased/originated 26,472,729 22,203,838
Financial assets that have been derecognized (10,946,901) (10,571,202)
Charges-off (3,788,517) (3,618,009)
Foreign Exchange and other movements 2,896,315 1,804,222
Ending balance 59,588,721 48,363,040
Consumer | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (5,305,267) (5,753,430)
Remeasurement arising from transfer of stage (2,296,809) (2,496,570)
Remeasurement from remaining in the stage (202,402) (39,104)
Remeasurement due to changes in economics factors 279,152 (270,280)
Remeasurement due to methodological changes (54,075) 367,743
New financial assets purchased/originated (2,462,601) (1,438,699)
Financial assets that have been derecognized 624,366 970,976
Charges-off 3,788,517 3,618,009
Foreign Exchange and other movements (418,016) (263,912)
Ending balance (6,047,135) (5,305,267)
Consumer | Stage One | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 41,773,555 33,766,023
Transfers of financial instruments: (2,023,245) (968,284)
Transfers from stage 1 to stage 2 (2,205,274) (1,581,266)
Transfers from stage 1 to stage 3 (981,411) (892,097)
Transfers from stage 2 to stage 1 1,086,524 1,405,690
Transfers from stage 3 to stage 1 76,916 99,389
Remeasurement arising from transfer of stage (206,572) (221,972)
Remeasurement from remaining in the stage (3,215,778) (2,934,505)
New financial assets purchased/originated 23,609,797 20,615,952
Financial assets that have been derecognized (10,128,838) (9,262,503)
Charges-off (698,744) (618,911)
Foreign Exchange and other movements 2,400,768 1,397,755
Ending balance 51,510,943 41,773,555
Consumer | Stage One | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (1,402,277) (1,750,083)
Transfers of financial instruments: (175,533) (122,078)
Transfers from stage 1 to stage 2 126,781 167,288
Transfers from stage 1 to stage 3 64,937 107,874
Transfers from stage 2 to stage 1 (298,371) (313,273)
Transfers from stage 3 to stage 1 (68,880) (83,967)
Remeasurement arising from transfer of stage 336,478 318,636
Remeasurement from remaining in the stage (89,383) 336,232
Remeasurement due to changes in economics factors 39,672 (109,364)
Remeasurement due to methodological changes 23,381 41,498
New financial assets purchased/originated (987,792) (640,857)
Financial assets that have been derecognized 286,762 401,903
Charges-off 233,953 186,964
Foreign Exchange and other movements (89,102) (65,128)
Ending balance (1,823,841) (1,402,277)
Consumer | Stage Two | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 3,927,387 4,599,535
Transfers of financial instruments: 937,915 (41,117)
Transfers from stage 1 to stage 2 2,205,274 1,581,266
Transfers from stage 2 to stage 1 (1,086,524) (1,405,690)
Transfers from stage 2 to stage 3 (379,978) (406,905)
Transfers from stage 3 to stage 2 199,143 190,212
Remeasurement arising from transfer of stage (191,232) (101,206)
Remeasurement from remaining in the stage (38,099) (133,850)
New financial assets purchased/originated 1,919,811 1,086,672
Financial assets that have been derecognized (668,543) (970,555)
Charges-off (916,801) (845,688)
Foreign Exchange and other movements 318,483 333,596
Ending balance 5,288,921 3,927,387
Consumer | Stage Two | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (1,800,518) (1,651,656)
Transfers of financial instruments: 147,486 159,002
Transfers from stage 1 to stage 2 (126,781) (167,288)
Transfers from stage 2 to stage 1 298,371 313,273
Transfers from stage 2 to stage 3 129,687 163,117
Transfers from stage 3 to stage 2 (153,791) (150,100)
Remeasurement arising from transfer of stage (135,684) (396,682)
Remeasurement from remaining in the stage (206,202) (274,514)
Remeasurement due to changes in economics factors 241,992 (162,311)
Remeasurement due to methodological changes (78,241) 303,387
New financial assets purchased/originated (715,751) (393,999)
Financial assets that have been derecognized 215,579 282,944
Charges-off 615,728 439,923
Foreign Exchange and other movements (153,271) (106,612)
Ending balance (1,868,882) (1,800,518)
Consumer | Stage Three | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 2,662,098 2,690,381
Transfers of financial instruments: 1,085,330 1,009,401
Transfers from stage 1 to stage 3 981,411 892,097
Transfers from stage 2 to stage 3 379,978 406,905
Transfers from stage 3 to stage 1 (76,916) (99,389)
Transfers from stage 3 to stage 2 (199,143) (190,212)
Remeasurement arising from transfer of stage 511,818 531,017
Remeasurement from remaining in the stage (268,082) 348,768
New financial assets purchased/originated 943,121 501,214
Financial assets that have been derecognized (149,520) (338,144)
Charges-off (2,172,972) (2,153,410)
Foreign Exchange and other movements 177,064 72,871
Ending balance 2,788,857 2,662,098
Consumer | Stage Three | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (2,102,472) (2,351,691)
Transfers of financial instruments: 28,047 (36,924)
Transfers from stage 1 to stage 3 (64,937) (107,874)
Transfers from stage 2 to stage 3 (129,687) (163,117)
Transfers from stage 3 to stage 1 68,880 83,967
Transfers from stage 3 to stage 2 153,791 150,100
Remeasurement arising from transfer of stage (2,497,603) (2,418,524)
Remeasurement from remaining in the stage 93,183 (100,822)
Remeasurement due to changes in economics factors (2,512) 1,395
Remeasurement due to methodological changes 785 22,858
New financial assets purchased/originated (759,058) (403,843)
Financial assets that have been derecognized 122,025 286,129
Charges-off 2,938,836 2,991,122
Foreign Exchange and other movements (175,643) (92,172)
Ending balance (2,354,412) (2,102,472)
Financial Leasing | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 25,119,628 24,503,317
Remeasurement arising from transfer of stage (51,105) (123,511)
Remeasurement from remaining in the stage (1,494,022) (1,784,262)
New financial assets purchased/originated 5,980,103 4,986,945
Financial assets that have been derecognized (2,347,970) (2,567,720)
Charges-off (176,407) (554,701)
Foreign Exchange and other movements 1,067,489 659,560
Ending balance 28,097,716 25,119,628
Financial Leasing | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (1,521,067) (1,996,033)
Transfers of financial instruments:  
Transfers from stage 1 to stage 2  
Transfers from stage 1 to stage 3  
Transfers from stage 2 to stage 1  
Transfers from stage 2 to stage 3  
Transfers from stage 3 to stage 1  
Transfers from stage 3 to stage 2  
Remeasurement arising from transfer of stage (100,293) (239,454)
Remeasurement from remaining in the stage 62,422 (139,951)
Remeasurement due to changes in economics factors (22,046) (12,519)
Remeasurement due to changes in model inputs  
Remeasurement due to methodological changes (9,746) 183,024
New financial assets purchased/originated (92,358) (61,077)
Financial assets that have been derecognized 502,794 202,605
Charges-off 176,407 554,701
Foreign Exchange and other movements (9,187) (12,363)
Ending balance (1,013,074) (1,521,067)
Financial Leasing | Stage One | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 19,927,472 18,981,176
Transfers of financial instruments: 59,490 (382,684)
Transfers from stage 1 to stage 2 (626,697) (1,032,874)
Transfers from stage 1 to stage 3 (102,499) (105,352)
Transfers from stage 2 to stage 1 779,795 720,654
Transfers from stage 3 to stage 1 8,891 34,888
Remeasurement arising from transfer of stage (74,495) (114,836)
Remeasurement from remaining in the stage (1,380,295) (1,697,491)
New financial assets purchased/originated 5,358,579 4,531,913
Financial assets that have been derecognized (1,362,963) (2,031,001)
Charges-off (264) (398)
Foreign Exchange and other movements 1,039,020 640,793
Ending balance 23,566,544 19,927,472
Financial Leasing | Stage One | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (142,954) (204,071)
Transfers of financial instruments: (79,666) (35,495)
Transfers from stage 1 to stage 2 16,913 16,261
Transfers from stage 1 to stage 3 3,810 3,909
Transfers from stage 2 to stage 1 (98,964) (48,455)
Transfers from stage 3 to stage 1 (1,425) (7,210)
Remeasurement arising from transfer of stage 86,331 46,099
Remeasurement from remaining in the stage 10,504 58,449
Remeasurement due to changes in economics factors (14,991) (10,269)
Remeasurement due to methodological changes 19,160 (6,666)
New financial assets purchased/originated (38,976) (29,822)
Financial assets that have been derecognized 10,976 41,897
Charges-off 4 29
Foreign Exchange and other movements (1,716) (3,105)
Ending balance (151,328) (142,954)
Financial Leasing | Stage Two | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 3,198,182 2,772,129
Transfers of financial instruments: (118,703) 361,729
Transfers from stage 1 to stage 2 626,697 1,032,874
Transfers from stage 2 to stage 1 (779,795) (720,654)
Transfers from stage 2 to stage 3 (143,173) (160,592)
Transfers from stage 3 to stage 2 177,568 210,101
Remeasurement arising from transfer of stage (23,270) (78,108)
Remeasurement from remaining in the stage (74,988) (61,487)
New financial assets purchased/originated 587,957 429,419
Financial assets that have been derecognized (399,179) (235,306)
Charges-off (19,361) (304)
Foreign Exchange and other movements 21,647 10,110
Ending balance 3,172,285 3,198,182
Financial Leasing | Stage Two | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (314,149) (310,450)
Transfers of financial instruments: 57,312 1,126
Transfers from stage 1 to stage 2 (16,913) (16,261)
Transfers from stage 2 to stage 1 98,964 48,455
Transfers from stage 2 to stage 3 19,624 24,862
Transfers from stage 3 to stage 2 (44,363) (55,930)
Remeasurement arising from transfer of stage (22,332) (120,366)
Remeasurement from remaining in the stage 49,130 (121,067)
Remeasurement due to changes in economics factors 1,612 (3,393)
Remeasurement due to methodological changes (19,451) 237,506
New financial assets purchased/originated (35,776) (22,306)
Financial assets that have been derecognized 28,647 22,802
Charges-off 19,127 5,679
Foreign Exchange and other movements (3,040) (3,680)
Ending balance (238,920) (314,149)
Financial Leasing | Stage Three | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 1,993,974 2,750,012
Transfers of financial instruments: 59,213 20,955
Transfers from stage 1 to stage 3 102,499 105,352
Transfers from stage 2 to stage 3 143,173 160,592
Transfers from stage 3 to stage 1 (8,891) (34,888)
Transfers from stage 3 to stage 2 (177,568) (210,101)
Remeasurement arising from transfer of stage 46,660 69,433
Remeasurement from remaining in the stage (38,739) (25,284)
New financial assets purchased/originated 33,567 25,613
Financial assets that have been derecognized (585,828) (301,413)
Charges-off (156,782) (553,999)
Foreign Exchange and other movements 6,822 8,657
Ending balance 1,358,887 1,993,974
Financial Leasing | Stage Three | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (1,063,964) (1,481,512)
Transfers of financial instruments: 22,354 34,369
Transfers from stage 1 to stage 3 (3,810) (3,909)
Transfers from stage 2 to stage 3 (19,624) (24,862)
Transfers from stage 3 to stage 1 1,425 7,210
Transfers from stage 3 to stage 2 44,363 55,930
Remeasurement arising from transfer of stage (164,292) (165,187)
Remeasurement from remaining in the stage 2,788 (77,333)
Remeasurement due to changes in economics factors (8,667) 1,143
Remeasurement due to methodological changes (9,455) (47,816)
New financial assets purchased/originated (17,606) (8,949)
Financial assets that have been derecognized 463,171 137,906
Charges-off 157,276 548,993
Foreign Exchange and other movements (4,431) (5,578)
Ending balance (622,826) (1,063,964)
Mortgage | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 30,646,787 25,959,112
Remeasurement arising from transfer of stage 45,159 56,698
Remeasurement from remaining in the stage (1,307,576) (1,244,055)
New financial assets purchased/originated 7,505,481 6,394,156
Financial assets that have been derecognized (2,092,714) (2,246,681)
Charges-off (345,991) (110,408)
Foreign Exchange and other movements 2,920,227 1,837,965
Ending balance 37,371,373 30,646,787
Mortgage | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (1,061,058) (992,515)
Transfers of financial instruments:  
Transfers from stage 1 to stage 2  
Transfers from stage 1 to stage 3  
Transfers from stage 2 to stage 1  
Transfers from stage 2 to stage 3  
Transfers from stage 3 to stage 1  
Transfers from stage 3 to stage 2  
Remeasurement arising from transfer of stage (280,783) (178,994)
Remeasurement from remaining in the stage (15,681) (245,796)
Remeasurement due to changes in economics factors 33,711 (39,635)
Remeasurement due to changes in model inputs  
Remeasurement due to methodological changes (36,089) 278,515
New financial assets purchased/originated (71,607) (69,009)
Financial assets that have been derecognized 119,554 109,557
Charges-off 345,991 110,408
Foreign Exchange and other movements (58,129) (33,589)
Ending balance (1,024,091) (1,061,058)
Mortgage | Stage One | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 25,447,635 21,676,563
Transfers of financial instruments: 2,074,437 (687,642)
Transfers from stage 1 to stage 2 (745,136) (2,286,673)
Transfers from stage 1 to stage 3 (207,362) (125,284)
Transfers from stage 2 to stage 1 3,021,745 1,647,426
Transfers from stage 3 to stage 1 5,190 76,889
Remeasurement arising from transfer of stage (34,494) (54,790)
Remeasurement from remaining in the stage (1,265,193) (1,286,955)
New financial assets purchased/originated 7,407,685 6,293,219
Financial assets that have been derecognized (1,772,230) (1,909,582)
Charges-off (3,449) (5,665)
Foreign Exchange and other movements 2,213,343 1,422,487
Ending balance 34,067,734 25,447,635
Mortgage | Stage One | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (140,843) (121,503)
Transfers of financial instruments: (61,050) (79,010)
Transfers from stage 1 to stage 2 15,839 19,724
Transfers from stage 1 to stage 3 4,437 3,774
Transfers from stage 2 to stage 1 (80,567) (76,522)
Transfers from stage 3 to stage 1 (759) (25,986)
Remeasurement arising from transfer of stage 69,980 80,969
Remeasurement from remaining in the stage (611) (8,687)
Remeasurement due to changes in economics factors (21,123) (5,176)
Remeasurement due to methodological changes (11,559) 12,457
New financial assets purchased/originated (46,935) (31,292)
Financial assets that have been derecognized 11,975 11,017
Charges-off 283 4,038
Foreign Exchange and other movements (6,917) (3,656)
Ending balance (206,800) (140,843)
Mortgage | Stage Two | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 3,654,710 3,093,690
Transfers of financial instruments: (2,522,248) 621,566
Transfers from stage 1 to stage 2 745,136 2,286,673
Transfers from stage 2 to stage 1 (3,021,745) (1,647,426)
Transfers from stage 2 to stage 3 (445,019) (142,948)
Transfers from stage 3 to stage 2 199,380 125,267
Remeasurement arising from transfer of stage (26,095) 45,212
Remeasurement from remaining in the stage 406,332 (332,481)
New financial assets purchased/originated 74,121 58,403
Financial assets that have been derecognized (146,498) (182,935)
Charges-off (1,206) (5,076)
Foreign Exchange and other movements 558,154 356,331
Ending balance 1,997,270 3,654,710
Mortgage | Stage Two | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (260,867) (231,137)
Transfers of financial instruments: 30,734 40,788
Transfers from stage 1 to stage 2 (15,839) (19,724)
Transfers from stage 2 to stage 1 80,567 76,522
Transfers from stage 2 to stage 3 31,802 25,392
Transfers from stage 3 to stage 2 (65,796) (41,402)
Remeasurement arising from transfer of stage (40,822) (98,943)
Remeasurement from remaining in the stage (924) (43,005)
Remeasurement due to changes in economics factors 54,802 (35,961)
Remeasurement due to methodological changes (22,449) 107,285
New financial assets purchased/originated (15,026) (8,186)
Financial assets that have been derecognized 11,697 18,593
Charges-off 1,174 1,937
Foreign Exchange and other movements (14,594) (12,238)
Ending balance (256,275) (260,867)
Mortgage | Stage Three | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 1,544,442 1,188,859
Transfers of financial instruments: 447,811 66,076
Transfers from stage 1 to stage 3 207,362 125,284
Transfers from stage 2 to stage 3 445,019 142,948
Transfers from stage 3 to stage 1 (5,190) (76,889)
Transfers from stage 3 to stage 2 (199,380) (125,267)
Remeasurement arising from transfer of stage 105,748 66,276
Remeasurement from remaining in the stage (448,715) 375,381
New financial assets purchased/originated 23,675 42,534
Financial assets that have been derecognized (173,986) (154,164)
Charges-off (341,336) (99,667)
Foreign Exchange and other movements 148,730 59,147
Ending balance 1,306,369 1,544,442
Mortgage | Stage Three | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (659,348) (639,875)
Transfers of financial instruments: 30,316 38,222
Transfers from stage 1 to stage 3 (4,437) (3,774)
Transfers from stage 2 to stage 3 (31,802) (25,392)
Transfers from stage 3 to stage 1 759 25,986
Transfers from stage 3 to stage 2 65,796 41,402
Remeasurement arising from transfer of stage (309,941) (161,020)
Remeasurement from remaining in the stage (14,146) (194,104)
Remeasurement due to changes in economics factors 32 1,502
Remeasurement due to methodological changes (2,081) 158,773
New financial assets purchased/originated (9,646) (29,531)
Financial assets that have been derecognized 95,882 79,947
Charges-off 344,534 104,433
Foreign Exchange and other movements (36,618) (17,695)
Ending balance (561,016) (659,348)
Small Business | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 1,282,185 1,232,075
Remeasurement arising from transfer of stage (22,436) (32,757)
Remeasurement from remaining in the stage (146,678) (160,612)
New financial assets purchased/originated 530,041 519,295
Financial assets that have been derecognized (332,547) (276,180)
Charges-off (111,092) (79,065)
Foreign Exchange and other movements 128,603 79,429
Ending balance 1,328,076 1,282,185
Small Business | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (164,067) (200,345)
Transfers of financial instruments:  
Transfers from stage 1 to stage 2  
Transfers from stage 1 to stage 3  
Transfers from stage 2 to stage 1  
Transfers from stage 2 to stage 3  
Transfers from stage 3 to stage 1  
Transfers from stage 3 to stage 2  
Remeasurement arising from transfer of stage (51,766) (43,771)
Remeasurement from remaining in the stage 3,245 7,967
Remeasurement due to changes in economics factors 3,246 (394)
Remeasurement due to changes in model inputs  
Remeasurement due to methodological changes (2,103) 7,489
New financial assets purchased/originated (44,699) (32,702)
Financial assets that have been derecognized 29,407 25,888
Charges-off 111,092 79,065
Foreign Exchange and other movements (9,390) (7,264)
Ending balance (125,035) (164,067)
Small Business | Stage One | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 950,991 965,822
Transfers of financial instruments: (70,809) (71,045)
Transfers from stage 1 to stage 2 (68,581) (54,843)
Transfers from stage 1 to stage 3 (44,815) (50,148)
Transfers from stage 2 to stage 1 38,613 31,728
Transfers from stage 3 to stage 1 3,974 2,218
Remeasurement arising from transfer of stage (4,527) (7,398)
Remeasurement from remaining in the stage (42,292) (230,823)
New financial assets purchased/originated 463,403 470,193
Financial assets that have been derecognized (279,820) (235,533)
Charges-off (12,781) (7,422)
Foreign Exchange and other movements 89,808 67,197
Ending balance 1,093,973 950,991
Small Business | Stage One | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (22,845) (44,663)
Transfers of financial instruments: (1,260) (716)
Transfers from stage 1 to stage 2 2,098 3,552
Transfers from stage 1 to stage 3 1,960 4,473
Transfers from stage 2 to stage 1 (4,608) (7,736)
Transfers from stage 3 to stage 1 (710) (1,005)
Remeasurement arising from transfer of stage 4,802 7,279
Remeasurement from remaining in the stage (505) 14,626
Remeasurement due to changes in economics factors (435) 2,188
Remeasurement due to methodological changes 49 1,250
New financial assets purchased/originated (14,534) (10,894)
Financial assets that have been derecognized 4,489 7,853
Charges-off 2,895 1,531
Foreign Exchange and other movements (1,220) (1,299)
Ending balance (28,564) (22,845)
Small Business | Stage Two | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 183,693 109,655
Transfers of financial instruments: 17,756 12,970
Transfers from stage 1 to stage 2 68,581 54,843
Transfers from stage 2 to stage 1 (38,613) (31,728)
Transfers from stage 2 to stage 3 (18,528) (21,366)
Transfers from stage 3 to stage 2 6,316 11,221
Remeasurement arising from transfer of stage (8,173) (7,679)
Remeasurement from remaining in the stage (89,440) 66,725
New financial assets purchased/originated 42,588 30,148
Financial assets that have been derecognized (21,195) (19,136)
Charges-off (16,004) (13,819)
Foreign Exchange and other movements 26,303 4,829
Ending balance 135,528 183,693
Small Business | Stage Two | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (30,255) (33,329)
Transfers of financial instruments: 3,557 5,253
Transfers from stage 1 to stage 2 (2,098) (3,552)
Transfers from stage 1 to stage 3   1
Transfers from stage 2 to stage 1 4,608 7,736
Transfers from stage 2 to stage 3 3,684 6,644
Transfers from stage 3 to stage 2 (2,637) (5,576)
Remeasurement arising from transfer of stage (4,465) (3,067)
Remeasurement from remaining in the stage 1,278 (2,983)
Remeasurement due to changes in economics factors 3,752 (2,616)
Remeasurement due to methodological changes (448) 5,078
New financial assets purchased/originated (10,982) (7,569)
Financial assets that have been derecognized 3,584 4,513
Charges-off 6,857 5,560
Foreign Exchange and other movements (1,902) (1,095)
Ending balance (29,024) (30,255)
Small Business | Stage Three | Gross carrying amount    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance 147,501 156,598
Transfers of financial instruments: 53,053 58,075
Transfers from stage 1 to stage 3 44,815 50,148
Transfers from stage 2 to stage 3 18,528 21,366
Transfers from stage 3 to stage 1 (3,974) (2,218)
Transfers from stage 3 to stage 2 (6,316) (11,221)
Remeasurement arising from transfer of stage (9,736) (17,680)
Remeasurement from remaining in the stage (14,946) 3,486
New financial assets purchased/originated 24,050 18,954
Financial assets that have been derecognized (31,532) (21,511)
Charges-off (82,307) (57,824)
Foreign Exchange and other movements 12,492 7,403
Ending balance 98,575 147,501
Small Business | Stage Three | Allowance    
LOANS AND ADVANCES TO CUSTOMERS, NET    
Beginning balance (110,967) (122,353)
Transfers of financial instruments: (2,297) (4,537)
Transfers from stage 1 to stage 3 (1,960) (4,474)
Transfers from stage 2 to stage 3 (3,684) (6,644)
Transfers from stage 3 to stage 1 710 1,005
Transfers from stage 3 to stage 2 2,637 5,576
Remeasurement arising from transfer of stage (52,103) (47,983)
Remeasurement from remaining in the stage 2,472 (3,676)
Remeasurement due to changes in economics factors (71) 34
Remeasurement due to methodological changes (1,704) 1,161
New financial assets purchased/originated (19,183) (14,239)
Financial assets that have been derecognized 21,334 13,522
Charges-off 101,340 71,974
Foreign Exchange and other movements (6,268) (4,870)
Ending balance $ (67,447) $ (110,967)