2022 Report and Financial Statements
2022 REPORT AND FINANCIAL STATEMENTS - BANCO REGIONAL
LETTER FROM THE PRESIDENT
ECONOMIC AND FINANCIAL PERFORMANCE
23
The resolutions allow the deferral of the charges generated by the allowances calculated on the balance of the portfolio benefited by these exceptional measures, which will be gradually recognized in the statement
of income as follows:
- For the portfolio benefited under Resolution 4, N° Act 18 dated March 18, 2020 in a term not to exceed 36 months. Allowances will be released gradually and appropriate to the categories immediately below,
for each 20% of principal amortization of the portfolio benefiting from the exceptional measure.
-
- For the portfolio benefited under Resolution No. 4, Minute No. 23 dated April 2, 2020, exonerates from the obligation to recognized allowances for a period of 18 months after the disbursement date for new
loans granted from March 16 to June 30, 2020, and that meet the conditions set forth in the aforementioned Resolution. At the end of the exoneration period, the losses arising from the allowance's
recognition may be deferred and gradually recognized for up to 60 months.
- The portfolio benefited under Resolution No. 1, Minute No. 17 dated March 25, 2021, is exempted from the obligation to make allowances for a term not exceeding 24 months. Provisions will be released
gradually and appropriate to the categories immediately below, for each 20% of principal amortization of the portfolio benefiting from the exceptional measure.
c) In 2022 fiscal year, the entity has considered the inclusion of certain operations under transitory measures to support productive sectors related to agricultural and livestock activities affected by adverse weather
conditions, according to the conditions established in Resolution No. 14, Minute No. 1 dated January 6, 2022, of the Board of Directors of the Central Bank of Paraguay.
-
– This measure is in force until September 30, 2022.
- The losses arising from the allowance's recognition may be deferred and gradually recognized for up to 24 months.
- Provisions will be released gradually and appropriate to the categories immediately below, for each 20% of principal amortization of the portfolio benefiting from the exceptional measure.
c.6.1 Performing loans - Financial sector
In accordance with the rules for the valuation of assets and credit risks, established by the Superintendence of Banks of the Central Bank of Paraguay, the performing loan portfolio from financial sector is classified by
risk as follows:
As of December 31, 2022
CATEGORY OF RISK
BOOK BALANCE BEFORE
ALLOWANCES (A)
Gs.
ELIGIBLE GUARANTEES
FOR ALLOWANCES
Gs.
ALLOWANCES
BOOK BALANCE AFTER
ALLOWANCES
MINIMUM % (b)
ESTABLISHED (c)
1
Total
246.043.547.441
246.043.547.441
432.426.994.005
432.426.994.005
0%
Gs.
246.043.547.441
246.043.547.441
As of December 31, 2021
CATEGORY OF RISK
1
Total
BOOK BALANCE BEFORE
ALLOWANCES (A)
Gs.
359.994.492.099
359.994.492.099
ELIGIBLE GUARANTEES
FOR ALLOWANCES
Gs.
258.742.535.283
258.742.535.283
ALLOWANCES
MINIMUM % (b)
ESTABLISHED (c)
0%
BOOK BALANCE AFTER
ALLOWANCES
Gs.
359.994.492.099
359.994.492.099View entire presentation