31a. Provisions
| 31.12.2014 | 31.12.2013 | |
|---|---|---|
| Provision for off-balance sheet commitments | 27.692 | 33.738 |
| Provision for contentious claims and others | 70.882 | 32.878 |
| Total | 98.574 | 66.616 |
31b. Change of provisions
| 01.01.2014 - 31.12.2014 | 01.01.2013 - 31.12.2013 | |
|---|---|---|
| Provision for off-balance sheet commitments | ||
| Balance at the beginning of the period | 33.738 | 22.463 |
| Charge of provision | 21.795 | 23.655 |
| Release of provision | -27.844 | -12.387 |
| FX rates differences | 3 | 7 |
| Balance at the end of the period | 27.692 | 33.738 |
| Provision for contentious claims and others | ||
| Balance at the beginning of the period | 32.878 | 22.342 |
| Charge of provision | 39.838 | 15.992 |
| Release of provision | -1.398 | -4.811 |
| Utilisation of provision | -436 | -645 |
| Balance at the end of the period | 70.882 | 32.878 |
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