30. Amounts due to customers
Annual Report
2019
2019
Accounting policies
Principles of classification and measurement are described note “Description of significant accounting policies”. This item also includes reverse repo transactions with a defined contractual term and specified price. The securities that are a component of the reverse repo transactions are not eliminated from the statement of financial position and are measured in accordance with the principles specified for each category of securities. The difference between the sales price and the repurchase price is the interest expense and is deferred over the term of the contract using the effective interest rate.
Financial information
| AMOUNTS DUE TO CUSTOMERS | 31.12.2019 | 31.12.2018 |
|---|---|---|
| Measured at fair value through profit or loss | 45 | – |
| short position in securities | 45 | – |
| Measured at amortized cost | 258 154 | 242 816 |
| Amounts due to individuals | 186 691 | 165 182 |
| Current accounts and overnight deposits, of which: | 122 008 | 103 143 |
| savings accounts | 38 053 | 32 192 |
| Term deposits | 64 300 | 61 638 |
| Other liabilities | 383 | 401 |
| Amounts due to business entities | 56 406 | 55 302 |
| Current accounts and overnight deposits, of which: | 45 894 | 38 927 |
| savings accounts | 46 | 46 |
| Term deposits | 9 670 | 15 465 |
| Other liabilities | 842 | 910 |
| Amounts due to public sector | 11 354 | 16 459 |
| Current accounts and overnight deposits | 10 997 | 11 242 |
| Term deposits | 331 | 5 115 |
| Other liabilities | 26 | 102 |
| Loans and borrowings received* | 2 029 | 4 093 |
| Liabilities in respect of insurance products | 1 674 | 1 780 |
| Unit-Linked | 1 409 | 1 502 |
| Saving insurance policies | 2 | 2 |
| “Safe Capital” | 253 | 265 |
| Structured products | 10 | 11 |
| Total | 258 199 | 242 816 |
*The item “Loans and advances received” is presented in detail in Note “Loans and advances received”.
| AMOUNTS DUE TO CUSTOMERS BY SEGMENT | 31.12.2019 | 31.12.2018 |
|---|---|---|
| retail and private banking | 174 091 | 155 079 |
| corporate | 49 918 | 55 051 |
| SME | 30 476 | 26 805 |
| loans and advances received | 2 029 | 4 093 |
| other liabilities (including liabilities in respect of insurance products) | 1 685 | 1 788 |
| Total | 258 199 | 242 816 |
| AMOUNTS DUE TO CUSTOMERS BY MATURITY | 31.12.2019 | 31.12.2018 |
|---|---|---|
| Measured at fair value through profit or loss: | 45 | – |
| up to 1 month | 45 | – |
| Measured at amortized cost: | 258 154 | 242 816 |
| up to 1 month | 197 229 | 179 874 |
| 1 to 3 months | 16 866 | 22 449 |
| 3 months to 1 year | 29 416 | 25 483 |
| 1 to 5 years | 5 649 | 6 860 |
| over 5 years | 8 994 | 8 150 |
| Total | 258 199 | 242 816 |