Consolidated statement of profit or loss

For the year ended December 31, 2024

Notes

2024

2023

Income

Interest income from financial instruments measured at AC

514,136

473,938

Interest income from financial instruments measured at FVPL

42,209

58,653

Interest expenses from financial instruments measured at AC

-237,423

-170,269

Interest expenses from financial instruments measured at FVPL

-92,708

-140,756

Interest expenses on leases

-97

-122

Net interest income

(21)

226,117

221,444

Dividend income

(22)

29,171

34,481

Results from equity investments

(23)

138,429

-39,814

Total results from equity investments

167,600

-5,333

Fee and commission income

9,672

7,737

Fee and commission expense

-13,726

-14,202

Net fee and commission income

(24)

-4,054

-6,465

Results from financial transactions

(25)

10,604

7,629

Remuneration for services rendered

(26)

35,499

31,335

Gains and losses due to derecognition

(27)

1,863

2,464

Other operating income

(28)

-

79

Total other income

47,966

41,507

Total income

437,629

251,153

Operating expenses

Staff costs

(29)

-144,964

-127,460

Administrative expenses

(30)

-36,541

-39,731

Depreciation and impairment of PP&E and intangible assets

(11), (12)

-8,618

-9,634

Other operating expenses

-572

-775

Total operating expenses

-190,695

-177,600

Impairments on

Interest-bearing instruments

27

-8

Loans

(7), (8)

17,433

-38,622

Loan commitments

(34)

-164

-1,259

Guarantees issued

(34)

8,884

243

Total impairments

26,180

-39,646

Results on associates/joint ventures

Share in the result of associates/joint ventures

39,483

26,065

Profit/(loss) before taxation

312,597

59,972

Income tax

(31)

-15,363

4,950

Net profit/(loss)

297,234

64,922

Net profit/(loss) attributable to

Owners of the parent company

297,234

64,922

Non controlling interest

-

-

Net profit/(loss)

297,234

64,922

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