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label_boi_t630-41 - 630-41 - Annual financial statements Note 13 Debts and off-balance sheet credit instruments

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		Current period												Year (-1)												Year (-2)
		Consolidated credit loss allowance						Bank credit loss allowance						Consolidated credit loss allowance						Bank credit loss allowance						Consolidated credit loss allowance						Bank credit loss allowance
		Credit to public				Banks and governments	Total	Credit to public				Banks and governments	Total	Credit to public				Banks and governments	Total	Credit to public				Banks and governments	Total	Credit to public				Banks and governments	Total	Credit to public				Banks and governments	Total
		Commercial	Housing	Other private	Total			Commercial	Housing	Other private	Total			Commercial	Housing	Other private	Total			Commercial	Housing	Other private	Total			Commercial	Housing	Other private	Total			Commercial	Housing	Other private	Total
		1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10	11	12

Changes in balance of credit loss allowance
Balance of allowance at start of period	1
Expenses in respect to credit losses	2
Accounting write-offs	3
Collection of debts written-off in previous years	4
Net accounting write-offs	5
Adjustments from translation of financial statements	6
Other	7
Balance of dredit loss allowance at the end of the year	8
Of which: in respect of off-balance sheet credit instruments	9
Additional information on the method of calculating the credit loss allowance in respect of debts and on debts on which it was calculated
Recorded debt balance of debts
Examined on individual basis	10
Examined oncollective basis	11
Of which: the allowance was calculated by extent of arrears	12
Total debts	13
Of which:
Recycled debts	14
Other impaired debts	15
Total impaired debts	16
Problematic debts 90 days and more	17
Other problematic debts	18
Problem debts - not impaired	19
Credit loss allowance by debts
Examined on individual basis	20
Examined oncollective basis	21
Of which: the allowance was calculated by extent of arrears	22
Including allowance beyond requirements calculated on individual basis	23
Including allowance beyond requirements calculated on collective basis	24
Total allowance for credit losses	25
of which: for impaired debts	26