2022 Report and Financial Statements
2022 REPORT AND FINANCIAL STATEMENTS - BANCO REGIONAL
LETTER FROM THE PRESIDENT
As of December 31, 2022
ECONOMIC AND FINANCIAL PERFORMANCE
21
AMOUNT IN GUARANI
PUBLIC AND PRIVATE SECURITIES
CURRENCY OF ISSUE AMOUNT IN CURRENCY OF ISSUE
NOMINAL VALUE
BOOK VALUE
Treasury Bonds of the Republic of Paraguay (a)
Monetary Regulation Bills
Accrued interest
Total
As of December 31, 2021
Gs.
Gs.
Gs.
139.150.000.000
810.000.000.000
139.150.000.000
810.000.000.000
139.150.000.000
723.149.338.579
949.150.000.000
36.261.594.576
898.560.933.155
PUBLIC AND PRIVATE SECURITIES
Treasury Bonds of the Republic of Paraguay (a)
Monetary Regulation Bills
Accrued interest
Total
AMOUNT IN GUARANI
CURRENCY OF ISSUE AMOUNT IN CURRENCY OF ISSUE
NOMINAL VALUE
BOOK VALUE
Gs.
Gs.
Gs.
139.150.000.000
200.000.000.000
139.150.000.000
200.000.000.000
339.150.000.000
139.150.000.000
179.592.840.888
1.267.774.899
320.010.615.787
(a) As of December 31, 2022, and 2021, the Bank has delivered Treasury Bonds for Gs. 20.000.000.000 in guarantees in favor of the BCP in compliance with the general regulations of the Paraguayan Payment
System (SIPAP by its acronym in Spanish).
c.5 Assets and liabilities with readjustment clauses
Except for the loans obtained (liabilities) from the Financial Agency for Development (in Spanish "Agencia Financiera de Desarrollo" or AFD), the loans granted (assets) with the resources of the AFD, certain loans
granted with its own resources and loans from abroad, which have contractual clauses for readjustments of the interest rates, there were no other assets or liabilities with readjustment clauses as of December 31,
2022, and 2021 respectively. These loans granted provide for annual rate adjustments according to the specific conditions included in the loan agreements.
c.6 Loan portfolio
Credit Risk Management:
Credit risk is controlled by the Board of Directors and Management of the Entity, mainly through the evaluation and analysis of individual transactions, for which certain factors clearly defined in the Entity's credit
policies are considered, such as: the demonstrated payment capacity and debt level of the debtor, the credit concentration of economic groups, individual credit granting limits, evaluation of economic sectors,
preferred guarantees and working capital requirements, in accordance with market risks.
Classification and valuation criteria:View entire presentation