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		Current period						Year (-1)						Year (-2)
		Credit risk not guaranteed by banks				Credit risk guaranteed at banks by other	Total	Credit risk not guaranteed by banks				Credit risk guaranteed at banks by other	Total	Credit risk not guaranteed by banks				Credit risk guaranteed at banks by other	Total
		Private individuals		Commercial				Private individuals		Commercial				Private individuals		Commercial
		Receivables in respect of credit cards	Credit2	Receivables in respect of credit cards	Credit2,3			Receivables in respect of credit cards	Credit2	Receivables in respect of credit cards	Credit2,3			Receivables in respect of credit cards	Credit2	Receivables in respect of credit cards	Credit2,3
		1	2	3	4	5	6	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