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		Accumulated from the beginning of year						Accumulated from the beginning of year (-1)
		Credit risk not guaranteed at banks				Credit risk guaranteed at banks and other2,3	Total	Credit risk not guaranteed at banks				Credit risk guaranteed at banks and other	Total
		Private individuals		Commercial				Private individuals		Commercial
		Receivables in respect of credit cards	Credit1	Receivables in respect of credit cards	Credit1,2			Receivables in respect of credit cards	Credit	Receivables in respect of credit cards	Credit
		1	2	3	4	5	6	1	2	3	4	5	6

Balance of allowance for credit losses for beginning of year	1
Expenses on credit losses	2
Accounting write-offs	3
Collection of accounting written-off debts in previous years	4
Net accounting write-offs	5
Other	6
Balance of allowance for credit losses for end of year	7
Of which: In respect of off-balance-sheet credit instruments	8