The maximum exposure to credit risk is as follows (Unit: Korean Won in millions):
| December 31, 2016 |
December 31, 2017 |
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Loans and receivables: |
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Korean treasury and government agencies |
16,058,305 | 8,823,584 | ||||||
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Banks |
20,242,260 | 26,845,309 | ||||||
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Corporates |
88,985,566 | 90,570,551 | ||||||
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Consumers |
133,106,502 | 140,866,760 | ||||||
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Sub-total |
258,392,633 | 267,106,204 | ||||||
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Financial assets at fair value through profit or loss (“FVTPL”): |
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Deposits indexed to gold prices |
26,180 | 25,972 | ||||||
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Debt securities held for trading |
2,644,916 | 2,644,333 | ||||||
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Designated at FVTPL |
4,348 | 9,694 | ||||||
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Derivative assets for trading |
2,898,295 | 3,115,775 | ||||||
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Sub-total |
5,573,739 | 5,795,774 | ||||||
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Available-for-sale (“AFS”) debt securities |
16,541,888 | 13,229,244 | ||||||
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Held-to-maturity (“HTM”) securities |
13,910,251 | 16,749,296 | ||||||
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Derivative assets for hedging |
140,577 | 59,272 | ||||||
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Off-balance sheet items: |
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Guarantees |
14,761,784 | 12,859,715 | ||||||
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Loan commitments |
83,795,496 | 80,760,325 | ||||||
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Sub-total |
98,557,280 | 93,620,040 | ||||||
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Total |
393,116,368 | 396,559,830 | ||||||
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