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MINIMUM CAPITAL REQUIREMENTS (Details) - ARS ($)
$ in Thousands
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Calculation of excess capital:      
Allocated to assets at risk $ 20,729,624 $ 12,957,481 $ 9,047,140
Allocated to Bank premises and equipment, intangible assets and equity investment assets 3,747,910 2,035,689 1,350,035
Market risk 1,693,962 965,159 551,765
Public sector and securities in investment account 625,570 34,489 27,651
Operational risk 8,188,453 4,805,957 3,233,793
Required minimum capital under Central Bank rules 34,985,519 20,798,775 14,210,384
Basic net worth 77,619,877 42,938,440 30,242,263
Complementary net worth 2,600,170 1,564,272 1,090,865
Deductions (25,063,540) (11,770,286) (7,028,227)
Total capital under Central Bank rules 55,156,507 32,732,426 24,304,901
Excess capital 20,170,988 11,933,651 10,094,517
Risk Weighted Assets $ 428,238,464 $ 254,513,436 $ 173,834,352
Selected capital and liquidity ratios:      
Regulatory capital/risk weighted assets 12.90% 12.90% 14.00%
Average shareholders' equity as a percentage of average total assets 12.20% 12.50% 11.20%
Total liabilities as a multiple of total shareholders' equity 0.083 0.075 0.075
Cash as a percentage of total deposits. 8.70% 11.10% 20.30%
Liquid assets as a percentage of total deposits 46.00% 49.20% 49.70%
Tier 1 Capital / Risk weighted assets.. 12.30% 12.20% 13.40%
Multiple to calculate operational risk weighted assets and market risk weighted assets 0.125