| | | NOTE 36. IMPAIRMENT CHARGE |
The following items are included in the account as of the indicated dates: | | | | | | | | | | | | | 12.31.24 | 12.31.23 | 12.31.22 | Expected credit loss allowance | (924,176,572) | | (437,075,870) | | (365,358,622) | | Direct charge offs | (12,557,135) | | (13,744,145) | | (20,708,706) | | Total | (936,733,707) | | (450,820,015) | | (386,067,328) | |
The changes in the expected credit loss allowance between the beginning and the end of the annual period are detailed in Note 45.
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