Annual Report 2021
Financial statements
6.5.8
Loans and receivables

See accounting policy H.

Loans and receivables measured at amortised cost
​31 December 202131 December 2020
Government and public sector223106
Mortgage loans9,9918,253
Other loans1,253461
Total due from customers11,4688,820
​​​
Impairments​​
Specific credit risks-7-7
Due from customers11,4618,813
​​​
Due from credit institutions - Interest bearing deposits13993
Due from credit institutions - Loans and advances2,7972,966
Due from credit institutions - Other911,724
Total due from credit institutions3,0274,783
​​​
Impairments​​
Specific credit risks-56-56
Due from credit institutions2,9714,727
​​​
Due from policyholders75109
Due from intermediaries8988
Reinsurance receivables96175
Due from Health Insurance Fund148107
Other receivables446377
Total trade and other receivables853856
​​​
Impairments​​
Specific credit risks-25-26
IBNR-1-1
Trade and other receivables827830
​​​
Total loans and receivables15,25914,370

The total amount due from credit institutions of € 3,027 million (2020: € 4,783 million) mainly decreased due to the disposal of the reverse repurchase agreement. Total due from credit institutions consists for € 2,462 million (2020: € 2,663 million) of savings-linked mortgage loans.

The claim related to cash collateral paid on derivative instruments, included in total due from credit institutions, amounts to € 91 million (2020: € 79 million).

Based on their contractual maturity, an amount of € 14,368 million (2020: € 12,219 million) of the loans and receivables is expected to be recovered after more than one year after the balance sheet date.

Changes in impairments of loans and receivables
​20212020
At 1 January-90-102
Increase in impairment through profit and loss-15-11
Reversal of impairment through profit and loss1423
Reversal of impairment due to disposal21
Other1-
​​​
At 31 December-89-90

For information regarding the fair value, see chapter 6.7.1.2.