2022 Report and Financial Statements
2022 REPORT AND FINANCIAL STATEMENTS - BANCO REGIONAL
LETTER FROM THE PRESIDENT
ECONOMIC AND FINANCIAL PERFORMANCE
References:
(a) Includes capital and accrued interest.
(b) the allowance percentages and risk categories defined for the classification and provisioning of the loan portfolio are based on the criteria established for this purpose in Resolution No. 1, Minute No. 60 of the
BCP Board of Directors dated September 28, 2007, and its subsequent amendments.
(c) The allowances are recognized by also considering the contingent balances. For those debtors that do not have computable guarantees, the allowances are calculated on the total risk (monetary debt plus
contingent liabilities).
For the rest of the debtors, the allowances are calculated in two tranches, with the guarantees being calculated in the second tranche.
c.6.2 Performing loans - non-financial sector
The performing loan portfolio from non-financial sector is composed as follows:
DECEMBER 31, 2022
ITEM
Gs.
Non-adjustable fixed-term loans
Non-adjustable amortizing loans
Loans - Transitional exceptions issued by the BCP
Loans - Exceptional support measure issued by the BCP
Loans for overdrafts
Deferred documentary credits receivable
Credit card receivables
Loans with resources administered by AFD
Discounted documents
Discounted deferred checks
Purchase of portfolio
Operations to be settled
Loans Public sector
Debtors for financial products accrued
(-) Suspended valuation gain
(-) Allowances
TOTAL
2.372.456.223.615
6.770.169.989.259
195.112.829.230
750.367.321.758
51.336.775.669
231.739.855.314
233.416.261.164
875.682.368.318
71.971.707.105
207.001.825.583
71.182.831.594
25.962.783
138.418.704.599
164.248.486.024
(13.327.448.759)
(436.135.923.142)
11.683.667.770.114
24
DECEMBER 31, 2021
Gs.
2.719.218.731.432
6.024.637.214.902
184.297.735.893
1.390.308.151.262
48.213.316.011
199.824.153.129
212.750.165.201
817.825.304.741
43.452.133.198
154.209.653.676
84.102.296.342
40.891.271
168.084.264.420
139.475.803.622
(16.772.691.749)
(385.395.449.901)
11.784.271.673.450
As of December 31, 2022, and 2021, the Entity has pledged as collateral for loan agreements, credit card portfolio "Affinity of the Mastercard Classic brand" up to the amount of Gs. 17.579.935.763 in favor of Bancard
S.A.; in order to guarantee operations resulting from user transactions at ATM's or POSS of the Infonet Network. See note c.12.g.View entire presentation