SFIL Annual financial report 2018

3 I Consolidated financial statements in accordance with IFRS 92 SFIL Annual Financial Report 2018 Detail of collective and specific impairments Collective impairment 2017 Allocations Reversals Total Loans and borrowings (1) 17 16 Off-balance sheet commitments - - - TOTAL (1) 17 16 Specific Impairment 2017 Allocations Reversals Losses Recoveries Total Loans and advances due from banks - - - - - Loans and advances to customers (0) 6 - - 6 Financial assets held to maturity - - - - - Off-balance sheet commitments - - - - - Total credit (0) 6 - - 6 Fixed income securities - - - - - TOTAL (0) 6 - - 6 Specific Impairment 2018 1 st January Allocations Reversals Losses December 31 Stage 1 - (0) 0 - (0) Stage 2 - - - - - Stage 3 - - - - - Financial assets at fair value through equity - (0) 0 - (0) Stage 1 (0) (0) 0 - (0) Stage 2 - - - - - Stage 3 - - - - - Loans and advances due from banks at amortized cost (0) (0) 0 - (0) Stage 1 (2) (1) 1 (0) (2) Stage 2 (21) (6) 5 (0) (22) Stage 3 (11) (7) 8 (0) (10) Loans and advances to customers at amortized cost (34) (14) 14 (0) (34) Stage 1 (4) (0) 1 - (3) Stage 2 (18) (11) 5 - (24) Stage 3 (0) (0) - - (0) Bonds at amortized cost (22) (11) 6 - (27) Stage 1 (0) (0) 0 - (0) Stage 2 (0) (0) 0 - (0) Stage 3 - - - - - Off-balance sheet commitments at amortized cost (0) (0) 0 - (0) TOTAL (56) (26) 20 (0) (62) 5.10 - CORPORATE INCOME TAX 5.10.1. Breakdown of tax expense 2017 2018 Current taxes (1) (12) Deferred taxes (35) (8) Tax adjustment effects (3) 14 TOTAL (39) (6)