Loans to customers and finance lease receivables Income tax assets Income tax liabilities Interest income calculated using EIR method Other interest income Deposit insurance fees Net gains/(losses) on extinguishment of debt One-off other income from settlement of legacy claim Operating income before cost of risk Expected credit loss on loans to customers Expected credit loss on finance lease receivables Other expected credit loss Impairment charge on other assets and provisions relating to cost of risk Cost of risk Net operating income before non-recurring items Net non-recurring items Net change in fair value on investments in debt instruments measured at fair value through other comprehensive income (FVOCI) Realised gain on financial assets measured at FVOCI Purchase of treasury shares under share-based payments Fees and commissions paid classified as operating activities Net cash inflow from real estate classified as operating activities Net realised gain from foreign currencies classified as operating activities Recoveries of loans to customers previously written off classified as operating activities Cash received from (paid for) derivatives classified as operating activities General and administrative and operating expenses paid classified as operating activities Adjustments for debt securities issued Proceeds from sale of investment properties and assets held for sale classified as investing activities Proceeds from sale of property and equipment and intangible assets classified as investing activities Purchase of property and equipment and intangible assets classified as investing activities Repurchase of debt securities issued classified as financing activities Repayment of the principal portion of the debt securities issued classified as financing activities Purchase of treasury shares under share-based payments classified as financing activities Payments for treasury shares classified as financing activities Effect of expected credit losses on cash and cash equivalents Disclosure of principal activities Description of accounting policy for investments in subsidiaries and associates in parent company financial statements Disclosure of subordinated debt Description of accounting policy for staged approach to the determination of ECLs Description of accounting policy for foreclosed assets Description of accounting policy for goodwill impairment Description of accounting policy for equity Description of accounting policy for income and expense recognition Disclosure of amounts due from credit institutions Disclosure of investment securities Disclosure of accounts receivable and other loans Disclosure of cost of risk Disclosure of net non-recurring items Disclosure of interest rate risk Disclosure of currency risk Disclosure of prepayment risk Disclosure of operational risk Disclosure of emerging risks Disclosure of maturity analysis of financial assets and liabilities Disclosure of capital adequacy