The breakdown of the changes of the balance under this heading is as follows:
| 2020 | 2019 | 2018 | ||||||||||
| FORECLOSED ASSETS | OTHER ASSETS (2) | FORECLOSED ASSETS | OTHER ASSETS (2) | FORECLOSED ASSETS | OTHER ASSETS (2) | |||||||
| FORECLOSURE RIGHTS (1) | OTHER | FORECLOSURE RIGHTS (1) | OTHER | FORECLOSURE RIGHTS (1) | OTHER | |||||||
| Gross cost | ||||||||||||
| Opening balance | 183 | 1,333 | 314 | 267 | 1,033 | 301 | 570 | 9,401 | 671 | |||
| Additions due to business combinations | 0 | 0 | 0 | |||||||||
| Additions | 33 | 75 | 86 | 128 | 175 | 61 | 167 | 424 | 64 | |||
| Transfers and other (3) | (83) | 205 | 73 | (212) | 427 | 62 | (470) | 414 | 27 | |||
| Disposals for the year | 0 | (262) | (200) | 0 | (302) | (110) | 0 | (9,206) | (461) | |||
| CLOSING BALANCE | 133 | 1,351 | 273 | 183 | 1,333 | 314 | 267 | 1,033 | 301 | |||
| Impairment allowances | ||||||||||||
| Opening balance | (41) | (390) | (45) | (55) | (280) | (27) | (97) | (4,310) | (166) | |||
| Additions due to business combinations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Allowances (Note 39) | 0 | (159) | (43) | 0 | (149) | (37) | (3) | (521) | (30) | |||
| Recoveries (Note 39) | 0 | 87 | 8 | 0 | 45 | 7 | 0 | 211 | 8 | |||
| Transfers and other (4) | 6 | (70) | 1 | 14 | (73) | (1) | 45 | (213) | 148 | |||
| Amounts used | 0 | 74 | 13 | 0 | 67 | 13 | 0 | 4,553 | 13 | |||
| CLOSING BALANCE | (35) | (458) | (66) | (41) | (390) | (45) | (55) | (280) | (27) | |||
| TOTAL | 98 | 893 | 207 | 142 | 943 | 269 | 212 | 753 | 274 | |||
(1) Foreclosure rights are measured initially at the carrying amount at which the asset will be recognised when the definitive foreclosure occurs.
(2) Mainly includes: investments reclassified as non-current assets held for sale, assets deriving from the termination of operating lease agreements and closed branches.
(3) Mainly includes reclassifications of foreclosure rights to "Other foreclosed assets" or "Tangible assets - Investment property" when the property is put up for lease (see Note 18).
(4) Includes provisions recognised to hedge against the risk of insolvency on credit operations of CaixaBank cancelled through the acquisition of real estate assets by BuildingCenter.
The breakdown, by age, of foreclosed assets, excluding impairment allowances, determined on the basis of the foreclosure date, is as follows:
| 31/12/2020 | 31/12/2019 | 31/12/2018 | ||||||
| No. OF ASSETS | GROSS AMOUNT | No. OF ASSETS | GROSS AMOUNT | No. OF ASSETS | GROSS AMOUNT | |||
| Up to 1 year | 1,519 | 157 | 3,015 | 318 | 5,794 | 619 | ||
| Between 1 and 2 years | 3,266 | 320 | 4,935 | 514 | 3,040 | 291 | ||
| Between 2 and 5 years | 5,850 | 591 | 4,319 | 398 | 2,859 | 244 | ||
| More than 5 years | 4,917 | 416 | 3,427 | 286 | 1,845 | 146 | ||
| TOTAL | 15,552 | 1,484 | 15,696 | 1,516 | 13,538 | 1,300 | ||
