3) Currency risk
Currency risk arises from monetary financial instruments denominated in foreign currencies other than the functional currency. Therefore, no currency risk arises from non-monetary items or financial instruments denominated in the functional currency.
Financial instruments in foreign currencies exposed to currency risk are as follows (Unit: USD in millions, JPY in millions, CNY in millions, EUR in millions, and Korean Won in millions):
| December 31, 2016 | ||||||||||||||||||||||||||||||||||||||||
| USD | JPY | CNY | EUR | Others | Total | |||||||||||||||||||||||||||||||||||
| Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Won equivalent |
Won equivalent |
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Asset: |
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Loans and receivables |
22,868 | 27,635,970 | 108,944 | 1,129,539 | 23,194 | 4,018,678 | 1,548 | 1,962,856 | 4,382,990 | 39,130,033 | ||||||||||||||||||||||||||||||
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Financial assets at FVTPL |
66 | 79,386 | 57 | 589 | — | — | 30 | 37,562 | 34,124 | 151,661 | ||||||||||||||||||||||||||||||
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AFS financial assets |
898 | 1,085,108 | — | — | 80 | 13,844 | — | 570 | 144,799 | 1,244,321 | ||||||||||||||||||||||||||||||
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HTM financial assets |
17 | 20,517 | — | — | — | — | — | — | 143,535 | 164,052 | ||||||||||||||||||||||||||||||
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Total |
23,849 | 28,820,981 | 109,001 | 1,130,128 | 23,274 | 4,032,522 | 1,578 | 2,000,988 | 4,705,448 | 40,690,067 | ||||||||||||||||||||||||||||||
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December 31, 2016 |
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| USD | JPY | CNY | EUR | Others | Total | |||||||||||||||||||||||||||||||||||
| Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Won equivalent |
Won equivalent |
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Liability: |
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Financial liabilities at FVTPL |
75 | 90,908 | 253 | 2,621 | — | — | 88 | 111,098 | 115,980 | 320,607 | ||||||||||||||||||||||||||||||
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Deposits due to customers |
11,294 | 13,648,729 | 124,790 | 1,293,835 | 18,950 | 3,283,291 | 651 | 825,165 | 2,402,076 | 21,453,096 | ||||||||||||||||||||||||||||||
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Borrowings |
7,193 | 8,692,792 | 3,243 | 33,625 | — | — | 222 | 280,894 | 115,332 | 9,122,643 | ||||||||||||||||||||||||||||||
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Debentures |
2,931 | 3,541,769 | — | — | 700 | 121,282 | — | — | 228,720 | 3,891,771 | ||||||||||||||||||||||||||||||
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Other financial liabilities |
2,235 | 2,700,703 | 12,390 | 128,464 | 1,508 | 261,278 | 245 | 310,396 | 846,990 | 4,247,831 | ||||||||||||||||||||||||||||||
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Total |
23,728 | 28,674,901 | 140,676 | 1,458,545 | 21,158 | 3,665,851 | 1,206 | 1,527,553 | 3,709,098 | 39,035,948 | ||||||||||||||||||||||||||||||
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Off-balance accounts |
8,593 | 10,384,163 | 28,675 | 297,304 | 1,061 | 183,883 | 374 | 473,845 | 312,187 | 11,651,382 | ||||||||||||||||||||||||||||||
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December 31, 2017 |
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| USD | JPY | CNY | EUR | Others | Total | |||||||||||||||||||||||||||||||||||
| Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Won equivalent |
Won equivalent |
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Asset: |
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Loans and receivables |
23,000 | 24,642,900 | 126,944 | 1,204,843 | 25,224 | 4,127,936 | 1,156 | 1,479,351 | 3,937,733 | 35,392,763 | ||||||||||||||||||||||||||||||
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Financial assets at FVTPL |
32 | 34,303 | 25 | 238 | — | — | 27 | 34,583 | 104,892 | 174,016 | ||||||||||||||||||||||||||||||
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AFS financial assets |
1,966 | 2,105,972 | — | — | 319 | 52,259 | — | 590 | 302,801 | 2,461,622 | ||||||||||||||||||||||||||||||
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HTM financial assets |
111 | 118,868 | — | — | — | — | — | — | 78,175 | 197,043 | ||||||||||||||||||||||||||||||
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Total |
25,109 | 26,902,043 | 126,969 | 1,205,081 | 25,543 | 4,180,195 | 1,183 | 1,514,524 | 4,423,601 | 38,225,444 | ||||||||||||||||||||||||||||||
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| December 31, 2017 | ||||||||||||||||||||||||||||||||||||||||
| USD | JPY | CNY | EUR | Others | Total | |||||||||||||||||||||||||||||||||||
| Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Foreign currency |
Won equivalent |
Won equivalent |
Won equivalent |
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Liability: |
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Financial liabilities at FVTPL |
41 | 43,423 | 79 | 752 | — | — | 19 | 24,878 | 69,977 | 139,030 | ||||||||||||||||||||||||||||||
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Deposits due to customers |
13,744 | 14,725,686 | 195,176 | 1,852,440 | 21,865 | 3,578,142 | 883 | 1,129,802 | 2,396,826 | 23,682,896 | ||||||||||||||||||||||||||||||
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Borrowings |
6,604 | 7,080,118 | 2,218 | 21,056 | — | — | 247 | 315,685 | 242,874 | 7,659,733 | ||||||||||||||||||||||||||||||
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Debentures |
3,467 | 3,714,411 | — | — | 700 | 114,555 | — | — | 375,749 | 4,204,715 | ||||||||||||||||||||||||||||||
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Other financial liabilities |
2,392 | 2,562,740 | 16,125 | 153,043 | 1,802 | 294,950 | 129 | 165,189 | 588,625 | 3,764,547 | ||||||||||||||||||||||||||||||
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Total |
26,248 | 28,126,378 | 213,598 | 2,027,291 | 24,367 | 3,987,647 | 1,278 | 1,635,554 | 3,674,051 | 39,450,921 | ||||||||||||||||||||||||||||||
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Off-balance accounts |
8,108 | 8,687,009 | 33,624 | 319,127 | 1,199 | 196,261 | 406 | 519,843 | 176,886 | 9,899,126 | ||||||||||||||||||||||||||||||
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