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(b)
Balance of the provision of accounts receivable, assigned loan portfolio and commissions
receivable comprises the following:
2015
2014
S/.000
S/.000
Specific provision
1,949
2,177
Voluntary generic provision
2,222
4,285
Total
4,171 6,462
The movement of the provision for uncollectible receivables is detailed below:
2015
2014
S/.000
S/.000
Opening balances
6,462
5,111
Provision for the year
719
2,452
Reversals
(1,646)
(183)
Write-offs, extinguishment sales
reclasifications of deferred interest
(1,561)
(1,131)
Exchange difference
197
213
Closing balances
4,171 6,462
(c)
Software mainly comprises SAP system licenses. As of December 31, 2015, COFIDE
acquired certain licenses for (in thousands) S/.595 (S/.2,696 as of December 31, 2014) and
in 2015, recorded an amortization expense for (in thousands) S/.1,661 (S/.767 as of
December 31, 2014). This item is presented in “Depreciation and amortization” in the
statement of income.
(d)
This balance corresponds to properties, net of provisions, which were awarded during Q1
2015 for the net amount of (in thousands) S/.12,954, provided by the collection of
guarantees from the customer, Petroleum Gas Company S.A.
10.
OBLIGATIONS TO THE PUBLIC AND DEPOSITS BY BANKS AND FINANCIAL
ORGANIZATIONS
2015
2014
S/.000
S/.000
Time deposits (a)
224,100
191,784
Deposits in guarantee (b)
10,867
18,151
Reporting operations (c)
21,050
28,861
256,017
238,796
Interests accrued
1,195
3,717
Severance indemnities
296
513
Total
257,508
243,026
(a)
As of December 31, 2015, time deposits mainly comprise resources in local currency
collected from Banco de Crédito and Caja Municipal de Ahorro y Crédito Santa, which
accrued interests at annual market rates ranging between 4.70% and 5.66% and will mature in
December 2016. As of December 31, 2014, time deposits mainly comprised resources in