Notes

2025

2024

Income

Interest income calculated using the effective interest method

494,200

514,136

Other interest income

12,304

42,209

Interest expense calculated using the effective interest method

-259,573

-237,423

Other interest expense

-22,349

-92,708

Interest expenses on leases

-221

-97

Net interest income

(20)

224,361

226,117

Dividend income

(21)

39,565

29,171

Results from equity investments

(22)

-145,269

138,429

Total results from equity investments

-105,704

167,600

Fee and commission income

11,465

9,672

Fee and commission expense

-12,976

-13,726

Net fee and commission income

(23)

-1,511

-4,054

Net results from financial transactions

(24)

9,212

10,604

Remuneration for services rendered

(25)

35,268

35,499

Gains and losses due to derecognition

(26)

349

1,863

Other operating income

1,636

-

Total other income

46,465

47,966

Total income

163,611

437,629

Operating expenses

Staff costs

(27)

-145,788

-144,964

General and administrative expenses

(28)

-35,821

-37,113

Depreciation, amortisation and impairment of PP&E and intangible assets

(11), (12)

-11,639

-8,618

Total operating expenses

-193,248

-190,695

Impairment charges on financial assets, loan commitments and guarantees

(8)

38,751

26,180

Results on associates/joint ventures

Share of the profit or loss of associates and joint ventures accounted for using the equity method

50,809

39,483

Profit/(loss) before taxation

59,923

312,597

Income tax

(29)

-11,465

-15,363

Net profit/(loss)

48,458

297,234

Net profit/(loss) attributable to

Owners of the parent company

48,458

297,234

Net profit/(loss)

48,458

297,234