Annual Report 2021
Financial statements
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
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
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
Specific credit risks-25-26
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
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
At 31 December-89-90

For information regarding the fair value, see chapter