a.s.r. annual report 2022

See accounting policy H.

Loans and receivables measured at amortised cost

	31 December 2022	31 December 2021
Government and public sector	221	223
Mortgage loans	10,370	9,991
Other loans	1,723	1,253
Total due from customers	12,314	11,468

Impairments
Specific credit risks	-7	-7
Due from customers	12,307	11,461

Due from credit institutions - Interest bearing deposits	36	139
Due from credit institutions - Loans and advances	2,628	2,797
Due from credit institutions - Other	1,632	91
Total due from credit institutions	4,296	3,027

Impairments
Specific credit risks	-37	-56
Due from credit institutions	4,259	2,971

Due from policyholders	133	75
Due from intermediaries	65	89
Reinsurance receivables	63	83
Due from Health Insurance Fund	70	148
Other receivables	301	459
Total trade and other receivables	632	853

Impairments
Specific credit risks	-27	-25
IBNR	-	-1
Trade and other receivables	605	827

Total loans and receivables	17,171	15,259

The total amount due from credit institutions of € 4,296 million (2021: € 3,027 million) mainly increased due to paid cash collateral. Total due from credit institutions consists for € 2,233 million (2021: € 2,462 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 € 1,632 million (2021: € 91 million).

Based on their contractual maturity, an amount of € 15,023 million (2021: € 14,368 million) of the loans and receivables is expected to be recovered after more than one year after the balance sheet date.

For information regarding the fair value, see chapter 6.7.1.2.

Changes in impairments of loans and receivables

	2022	2021
At 1 January	-89	-90
Increase in impairment through profit and loss	-10	-15
Reversal of impairment through profit and loss	27	14
Reversal of impairment due to disposal	1	2
Other	-	1

At 31 December	-71	-89